Hi there, I am going ahead with my face painting career and I would like some advice on where to get good insurance. The only thing is, I will only be doing small inexpensive gigs so I do not think my income would cover the insurance expense. So, can I use a waiver for the beginning until I start getting clientele? Where can I find waivers etc...? Anyone have any ideas for me? thanks. p.

I got insurance for $200 for a year. I didn't think that was too bad. It was about the cost of one paid gig. I know they had waivers if you were going to add a particular business or event onto your regular insurance but I've never heard of waivers if a valid policy wasn't already in effect. Maybe someone else knows more about this. If you want the name of the company I used let me know.
Sara K.

I get mine throught World Clown Association.... Here is the information from their application.

LIABILITY INSURANCE
Cost: $139/year per person*
Insurance is in effect from May 1 thru April 30.

You must be a member of the World Clown Association to purchase the insurance.

Coverage: This is a Comprehensive General Liability Policy provided by an A-rated insurance company with coverage of $1,000,000 per occurrence/$2,000,000 aggregate per event.

Deductible: None


Policy Exclusions: This program is designed for Clowns and Magicians. The following types of performances are NOT ACCEPTABLE.

1. Hypnosis
2. Hot Air Balloon Events, Circuses (production), overnight camping
3. Pyrotechnics, Explosives, Fireworks or similar materials except “concussion effects, “flashpots”, and “smokepots” (Flashboxes covered up to $5,000)
4. Production Management or Promotions Management for hire
5. Animals except performing dogs, doves and rabbits
6. Musicians and Disc Jockeys, except clowns/magicians who engage in these activities as part of their act
7. Copyright infringement exclusion (i.e. Barney, Mickey Mouse, Bugs Bunny)
8. Throwing objects (juggling is acceptable)

There is a company called K&K insurance that I am looking at using for my insurance. Think it is www.k&kinsurance.com

I think it is Home - K&K Insurance Group, Inc. (http://www.kandkinsurance.com/)

We were also discussing it in the following thread:
http://www.clown-forum.com/clown-forum/9820-insurance.html

Insurance is a must these days - for any business, just not worth the risk. Basic liability can be had for around $100 annually in most cases . . . we've seen some pretty strange things happen, especially when you least expect them . . .

Clown guide..where did u find it for a 100 bux a yr? Please share!