Insurance For Magicians
Covering Yourself as an Entertainer – The Facts
Interacting with spectators is one of the pre-requisites for a magician to be successful. Ultimately the magician is an entertainer like a musician, street performer or a dancer and hence dependent on his audience’s accolades for professional growth.
However, an important point that should be borne in mind is the fact that this is just one side of the coin and a pleasant one at that.
There is a flip side to this tale too and it pertains to an accident, injury or unprecedented happening which might mar the performance. When this happens who is liable to pay for the damages?
It is the entertainer of course and this is where entertainer
insurance comes into the picture. Insurance For Magicians is vitally important.
The most common type of entertainer’s insurance is known as public liability and it provides coverage to compensate for the loss or injury suffered by a spectator during the show.
In this type, there is provision to include legal expenditure as well which might have been incurred by the injured party.
For example, suppose a magician uses a rabbit while performing an act and it jumps over and bites one of the audiences soon after being pulled out of a hat.
Responsibility for the damage caused to the spectator falls squarely on the magician’s shoulders and he can pay the entire amount if he owns a public liability insurance policy.
Having realized the importance of possessing such an insurance policy, the next step entails embarking on a quest for providers.
Conducting a simple Google search by typing in the right keywords would reveal names of various players in the market and after having noted down details of each one of them it is time to indulge in comparison shopping.
One of the points that the buyer would need to confirm at the outset is that the insurance provider offers public liability policy to entertainers and that coverage is customized as per the circumstances of the entertainer.
Many times a magician is required to carry his own paraphernalia which is susceptible to damage during the show or may cause an injury to an audience while the act is in progress.
With public liability insurance on his side, the magician can rest assured that he will not be at a risk of going bankrupt in making up for the losses.
All that he has to do in case of such an incident is to apologize sincerely and continue with the show in the same breath.
Is it really important for an entertainer to have a public liability insurance policy to his name?
Considering the fact that almost all venues hosting magic shows or concerts state its possession as a pre-requisite for using their premises, a magician might as well have one.
Nowadays it is mandatory for street performers to have a permit too by paying a stipulated amount well in advance.
Failure to do so implies that not only will the venue not booked in advance for the show but even the magician will not be allowed to perform there.
During the course of life, no-one would deliberately step on a banana peel and slip to sustain an injury but there are times when a peel falls right on the way and cannot be avoided.
It is with the intention of limiting the injury to just a physical blow that insurance cover is a must for all entertainers irrespective of their trade.
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