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Home » Entertainment

Entertainment Insurance in Westlake Village, CA

What Is Entertainment Insurance?

Working in the entertainment industry can be exciting and lucrative, but you must account for significant risks and exposures while working in this sector. Entertainment businesses and professionals may often work in high-risk environments, utilize valuable property and equipment, and perform dangerous acts. While there are many types of work in the entertainment industry, all businesses and professionals should understand the importance of a comprehensive insurance portfolio.

What Does Entertainment Insurance Cover?

While some insurance companies may offer entertainment insurance as a package of coverages suitable for the industry, it’s also possible that you may need to compile your own portfolio from separate, individual policies. While the specific coverage needs of entertainment businesses and professionals may vary, in general, maintaining the following types of insurance is advisable:

  • General liability insurance—If you are responsible for the bodily injuries or property damage of third parties, such as guests and customers, this coverage can help pay for their losses and damages.
  • Business property insurance—This coverage, also known as commercial property insurance, can provide financial protection for physical property used for your professional operations, such as buildings, equipment, inventory, furniture and signage.
  • Workers’ compensation insurance—This coverage, legally required for many businesses, can help pay for medical bills and other expenses arising from employees’ work-related injuries and illnesses.
  • Professional liability insurance—If a client or other party sues you for allegedly failing to provide adequate services, such as canceling a show, this coverage can insulate you from legal costs and resulting losses.
  • Commercial auto insurance—If your business operations include the use of motor vehicles, this coverage can provide critical financial assistance if you need to repair your vehicles or compensate other parties who may have accrued losses from an accident for which you were responsible.
  • Inland marine insurance—By including this coverage in your insurance portfolio, losses involving property you store or transport between sites, such as lighting equipment or speakers, may be financially protected.
  • Commercial umbrella insurance—These policies can provide additional coverage for incidents you are responsible for if the liability limits of your other forms of insurance, such as commercial auto and general liability, are exhausted.

Given the vast array of subsets within the entertainment sector, your coverage needs may vary significantly from another business or professional. With that in mind, it may be necessary to acquire additional coverage. For example, film companies involved in set construction may need builders risk coverage. Similarly, businesses that transmit or store sensitive data, such as customers’ information, should strongly consider investing in cyber liability insurance.

Get the Right Coverage

The many perils of the entertainment district can lead to devastating financial losses. Regardless of how safe, diligent or experienced you are, it may not be possible to avert all risks, so the importance of entertainment insurance cannot be understated.

The agents at AnderGray Insurance Services are well-equipped to help you assess your coverage needs, explore your options and compile an optimal portfolio. Contact us today to get started.

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