I can not speak for all the states. I have only lived and worked in 3. I have never heard of a licences to clown or face paint. But I STRONGLY recomend liability ins.
You can go with what COAI endorses or with what WCA offers.
WCA has used the same company for YEARS. When I needed ins. for working in a mall the ins. guy from WCA was very helpful. I know COAI use to try to offer ins. just like WCA and I think now they just recomend someone. It is a real nightmare for the board unless you have someone like WAC has. The use to be Fellerman, I think that was the name. They provided the paperwork I needed. I have never been asked to cover an incident. Just prove ins.
I have a friend who had an incident. She was face painting and one of the kids spilled her paint on the carpet. She Had WAC ins. They took care of everything. The people wanted new carpet in the entire house. They had really old SHAG orange every where. They got a 3 ft. square cleaned. She came out fine.
After using all three I am sticking with WCA.
There are stories about someone being 15 min. late for a show and being sued for emotional damage to the child and is now having his wages garnished to staisfy the thousands of dollars decided on for the damages.
Myth? I don't know but with the courts the way they are...who knows. The best thing to do is pay the $135 a year or so for the ins.
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