Performer Insurance

Safety

Most venues will not book a fire act without proof of insurance. Understanding what coverage you need protects both you and your audience.

Types of insurance

General Liability — the most critical. Covers bodily injury to spectators and property damage. Standard: 1-2 million EUR/USD per occurrence.
Equipment Coverage — protects fire props, costumes, and performance gear from damage or theft.
Professional Liability — covers claims from teaching workshops where a student is injured.

Common requirements

Venues often require being listed as "additional insured" on your policy
Written contracts should specify responsibility boundaries
Document your safety protocols, training history, and certifications
Some jurisdictions require specific certificates (e.g. NYC's FDNY E-28/E-29)

Important exclusions

Pyrotechnics and devices that propel flame away from the performer's control are typically excluded
Audience participation during fire acts is usually not covered
Alcohol/drug impairment voids coverage
Stunts not disclosed in the application may not be covered

Without insurance, your personal assets are at risk in a lawsuit. Even hobbyist performers at public events should consider coverage.