Liability Insurance

Pickles · #1 (**permalink**) 04-05-2008, 10:23 AM

How many of you have clown liability insurance? I know I need to get it, and I've seen policies out there for clowns. But I've been too cheap and lazy to do it. I know it would just take one incident to wipe us out financially, but.... How many of you have this type of insurance? Have you heard of clowns being sued?

SparkyDMFD · #2 (**permalink**) 04-05-2008, 10:58 PM

Yes indeed, I have insurance. Wouldn't be without it. I get mine through World Clown (WCA) WELCOME TO WORLD CLOWN ASSOCIATION

I'm considering going with this organization:
Specialty Insurance Agency - Entertainer Insurance

I need to take the time to compare coverages from both because I've heard though other forums that the WCA Insurance doesn't cover certain things involving face painting, which I do a lot of. But the second insurance is a little more expensive than the other.

Let us know what your research reveals!

Sparky

Cubby T. Clown & Cuddles · #3 (**permalink**) 04-05-2008, 11:32 PM

We don't have insurance and have only had to turn down one job that required it. We are interested in getting some, though, and will be interested in seeing otherclown's replies.

Fitzwilly · #4 (**permalink**) 04-05-2008, 11:49 PM

Specialty Insurance is the one that I use Sparky. I like the fact that If I have to get a copy to a client. That isn't the right wording, There are times when you need a copy of your insurance that also has the clients name attached on the official insurance papers. Anyway, that service is free. I have heard of it costing between $30 and $50 to get that done. Since it tends to be the bigger clients that want insurance it is doubly worth getting because then you have a names to post on your "Glory page" and they will be names the general public are likely to recognize.

Cubby T. Clown & Cuddles · #5 (**permalink**) 04-14-2008, 02:40 PM

Has anyone ever gotten insurance through COAI?

~Cuddles~

Fitzwilly · #6 (**permalink**) 04-14-2008, 09:49 PM

I've had insurance through COAI the last few years. The price isn't bad and Stephanie was very helpful when I called. I would recommend it. The company used to be called Clowns of the US but I think they expanded the name to Specialty Insurance and www.entertainersoftheus.com
I really should look in the last Calliope but if I do that I won't have the time to catch up a little more on the Forum. I am teaching a balloon class in the morning I need to prepare a little more for.