Entertainers perform their arts in different parts of the country and sometimes even abroad, and they need to get to these venues somehow.
If as an entertainer, your primary means of transport is by road, you need to carry some special form of car insurance beyond the basic coverage. Anything could happen, whether on the road or within the venues.
While shopping for insurance products for your car, be sure to approach several insurance providers and compare as many online quotes as you can to obtain a better deal.
Most auto insurance coverage for entertainers will not include any type of equipment in a standard coverage unless you have discussed this with your insurer before purchasing the policy.
The insurer will then incorporate the equipment into the coverage and adjust premiums accordingly.
Even in that case, it’s unlikely that the insurance provider will fully reimburse your damaged equipment in the event of an accident.
– Liability Coverage
Entertainers often rent vehicles or tour buses while on tour. In some instances, you may decide to use your own vehicle if you are touring locally.
What happens if you cause an accident that results in damage to other people’s property or bodily injuries? You need to carry sufficient amount of auto insurance on the road in case of an accident in either of the above situations.
Borrowed or rented vehicles can be covered by non-owned and hired auto policies. On the other hand, you should make sure that you carry enough liability coverage for your personal car if you decide to go on tour with it.
Local bands tend to use personal vehicles when the go on tour since tour buses can be a little expensive for some entertainers. Entertainers who use rented tour buses when they go to perform should purchase non-owned and hired auto policies.
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– Collision and Comprehensive Coverage
Collision coverage will protect you from financial losses in the event of a head-on crash with another vehicle or if you happen to crash into an object on the side of the road, say a tree.
Comprehensive coverage, on the other hand, mitigates the financial burden of having to repair or replace your car in the event of a non-collision related occurrence such as fire, vandalism, or natural disasters.
Comprehensive coverage will also reimburse your vehicle’s market value in case it’s stolen.
– Breakdown and Recovery Services
Automotive rescue and recovery services are critical for any entertainer who uses his/her car to move from one gig to the next.
Getting involved in an accident or having a mechanical problem could easily translate to the cancellation of a show.
You will disappoint your fans and lose money at the same time if you don’t have proper strategies of getting out of such information.
Having a tow service in place could really come in handy in such a situation unless you are sufficiently knowledgeable in mechanics and have the right tools to fix your own car.
The Cost of Auto Insurance for Entertainers
Entertainers attract higher rates than people in other professions. Insurance companies use their models to determine the rates for certain pool of customers based on historical statistics, the probability of a claim, as well as the payout amounts.
The high likelihood of an entertainer filing a claim is as a result of:
- Regularly visiting and parking for long hours in alcohol serving premises
- Traveling in groups. In the case of an accident, other vehicle occupants may decide to sue for compensation for damaged property or bodily injuries
- Driving at night and for long distances
- Most individuals in the entertainment industry are perceived to be high-risk drivers
Many insurance companies will give you a higher quote if your line of work falls within the bounds of the entertainment industry. That does not mean that you can’t get a more pocket-friendly quote if you look harder.
Look at multiple auto insurers and compare the quotes you get until you find one that’s suitable for you.
Use our online tool to get your quotes. All you have to do is enter your zip code and get your quote.