From Santa Hollywood

Insight into Christmas, the Holidays and the World of Santa Claus

Santa’s Liabiltiy Insurance for 2011

posted by SantaTim On September - 3 - 2011 3 COMMENTS

Most companies including RealSantas.com, generally require that everyone we sub-contract, or refer to a client, be covered by some form of entertainer’s liability insurance. This includes Santas, entertainers, photographers, helpers, etc.

The general minimum is $1-million in liability insurance which currently will cost somewhere between $120.00 and $215.00, depending on whether you buy your insurance as an individual or through an association or club.

Some clients will request a certificate of insurance, naming them on the policy.  If you work for RealSantas.com you must send us a certificate listing us as a named insured.  And sometimes each company or venue where you perform or appear will also ask for a certificate.

Some insurance companies will charge a $25 or $30 fee for each additional certificate.   These costs could add up.  So check around before buying your insurance.  You want to make sure you have insurance from a company that will supply all the certificates you need for free, at no extra charge.

Entertainer’s liability insurance is now required by almost every commercial venue where you might work. And, for your own protection you should also have insurance for those private parties and social events you attend. Even if  you are a volunteer Santa or performer, and the event is a non-profit or not-for-profit event where you are donating your services, you need to protect yourself, should an accident happen.   Even if you are not a party to an accident, someone may try to include you in their claims following an accident.

The following companies offer policies to protect you and in some cases extend the coverage to your spouse, a helper and even offer various additional coverage. You can also obtain your insurance through other associations and sources.  At RealSantas.com all we require is proof of coverage from your insurance agency.

We do not suggest or recommend one insurance company over another, but do know that each of the companies listed below is a company  or association tyat hundreds of Santas and other entertainers depend on for insurance against any possible problems.  Check around and ask other Santas and entertainers, or your own insurance agent about getting liability insurance.  Be informed.

Should you have any question on these insurance carriers, please contact them direct. I am not an underwriter and really cannot answer anything that what you are reading here.

FORBS – offers an insurance plan via Kaercher Campbell & Associates and Philadelphia Insurance Companies.

  • Must be a member of FORBS Dues are $25 a year.
  • One Million/Two Million personal/individual coverage = $176.00 a year October 1, through September 30 next year. This is your personal total coverage, no sharing with other Santas or entertainers.
  • $100,000.00 rental premises coverage.
  • If you get your background check through the Kaercher and Campbell Insurance company and pass, they will add, Abuse & Molestation Coverage sub-limit at no addition premium if background checks on member and member assistants are completed and on file with FORBS. “$100,000 occurrence/$300,000 aggregate per insured FORBS member”
  • Coverage is for work in the United States only.
  • Coverage only covers you when performing in costume as Santa or Mrs. Claus, Elf etc. No other non-Christmas character, i.e. clown, face painter, Easter bunny, Magician, etc..
  • Spouse or Assistant can be added for $75 each when purchased at the same time.
  • Injury to yourself or other performers is not covered.
  • Insurance Details at: http://www.forbsantas.org/MemberServices/FORBS_Insurance.html
  • Background check details at:  http://www.forbsantas.org/MemberServices/Background_Check.html

K & K Insurance –

  • You can buy your insurance on-line: http://www.kandkinsurance.com/Entertainment/Pages/Entertainers-Performers.aspx
  • You can specifiy the date you wish coverage to start
  • One/Three million personal/individual coverage for $200.00 a year, incomes under $30,000. This is your personal total coverage, no sharing with other Santas or entertainers.
  • Assistant or Spouse coverage is also $$200 each.
  • The rental premises coverage is $300,000
  • $5,000 medical coverage per incident. This medical coverage is not for you or anyone working for or with you. It is for a child or guest who gets hurt as a result of your action.
  • Coverage is for United States only.
  • No Charge for certificate naming additional insureds
  • Injury to yourself or other performers is not covered.

Society Of Santa (SOS) –

  • Offers insurance via Associated Excess and Scottsdale Insurance Companies. Information is on their web site at http://www.societyofsanta.org
  • One Million/Two Million personal/individual coverage = $120.00 a year from January 12 through January 11 of the following year. This is the personal total coverage. Every performing member, spouse, helper, etc., must have insurance coverage, no sharing with other Santas or entertainers.
  • $100,000.00 rental premises coverage.
  • Abuse & Molestation Coverage of $100,000 per occurrence and $300,000 aggregate per insured SOS member is included at no addition premium.
  • Coverage is for work in the United States only.
  • Coverage is from portal-to-portal when performing in costume as Santa or Mrs. Claus, Elf etc. including other non-Christmas characters, i.e. clown, face painter, Easter bunny, Magician, witches and goblins etc., throughout the year.
  • Injury to yourself or other performers is not covered.
  • A Certificate Of Insurance in PDF format will be E-mailed to each insured. There is no charge for a copy of the named insured certificate or to add a client as an additionally covered entity.
  • The SOS has no yearly dues. However, performing membership in the SOS does require insurance. Membership is open to all Santas, real bearded or theatrical and designer bearded; Mrs. Claus, Ms. Claus, Helpers, Elves and other persons playing any other Characters are most welcome, including the Easter Bunny, Uncle Sam, Wicked Witch of the East, etc. Except for honorary membership, all potential and existing performing and non-performing members must complete either a renewing or a new membership application every year. Colorado residents who have lived in Colorado for at least 10 years must pass a Colorado Bureau of Investigation Background check. Otherwise, passing an FBI background check by out-of-state members is required as a condition of membership in the SOS.
  • If a spouse assists a performance outside the home in any way, he/she must also become a Performing Member. This includes driving or assisting another Performing Member to and from appearances and other entertainment venues.

Specialty Insurance Agency – –

  • Their link is: http://www.specialtyinsuranceagency.com/about-us.html
  • Coverage is from from April 25 to April 25.
  • Three Million/Five Million Policy for $215.00 per person. This is a Group Policy or Umbrella Policy which means that the total coverage is $5-million for the hundreds of Santas, Clowns and other entertainers who have to share the coverage. Each incident or claim reduces the total coverage.
  • October 25 to April 25 coverage is $150.00 processed one week prior to the start date.
  • Assistant or Spouse coverage is also $215 each
  • Coverage is for U.S. and Canada
  • No Charge for certificates naming additional insureds.
  • Injury to yourself or other performers is not covered.

World Clown Association (WCA) –

  • Their link is: http://worldclown.com/?page_id=37
  • Coverage is from from May 1 to April 30. This Program is designed for Clowns and Magicians.
  • One Million/Two Million Policy for $139.00 per person.
  • Assistant or Spouse coverage is also $139 each
  • Coverage is for U.S. and Canada
  • $30 fee for each certificate naming additional insured’s.
  • Injury to yourself or other performers is not covered.

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Check back here for our next Blog on Getting Background checks.

 

3 Comments

  1. The day I have to get liability insurance to be a Santa, will be the day that I quit being a Santa. I have been a Santa for a long time and nobody has ever asked me to be insured. That is a rediculous idea! That takes out the joy of being a Santa. What would our fathers and grandfathers think of such a rediculous idea! Santa Mike

  2. Yes I have had Entertainers insurance most of the 7 years I was a mall santa. Remember it is not the kids that you have to worry about but the parents, who are sometimes just “REAL DIFFERENT”. I say don’t leave home with out it!

  3. Lawsuits are not always brought with ill-intent. When a child is harmed, the parents need to get the child cared for. Sadly, it is often that the child has no health insurance and the parents can simply not afford the care needed and must reach out for legal help to find any pockets that might provide relief. It is an act of desparation and I do not fault them for that. Yes, we need to be vigilant about reducing risks around our sets and with our actions, and we need to be insured for that one time event over which we have had no control over, but for which we may, ultimately, face possible responsibility. Great article! Thanks for raising awareness!!!

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