Where do you get the $185 liablity insurance? Mine is $450:(

Where is everyone getting this $185 liability insurance? Mine is $450 and I work at an insurance agency with employee discounts.

Thanks!
Carey Emory

through Clowns of the US (or Entertainers of the US)..... they use Specialty Insurance

http://www.specialtyinsuranceagency.com/performer-insurance.html

Thanks!

I use K&K $200 year open enrollment

If you're caught vending (face painting is considered vending) and not performing, then they will drop you.

The vending fee from Vendors of the US is double the performers insurance.

They cover both my performance and my vending.

Which one drops you if you are a vendor?

Specialty Insurance covers face painting, temporary tattoos, airbrush tattoos, and even henna (only natural henna of course...not "black henna").....which is why I switched from World Clown Association..... WCA would not cover henna.
They even have event certificates for when you are vending at a festival, at no added cost. You just have to request them.

Specialty Insurance has two sides. Clowns of the U.S. and Vendors of the U.S.
dual personality seen here

The $185 through Specialty is for performers, Clowns of the US.
I've been insured through them since 1998.
This literally covers one person, no booth and no product.


The other side of the site is for Vendors, and they cover *everything* (except weapons and fireworks). However, they charge almost $350 for a full year of coverage. Even the partial year is $200 from June 1 to Sept 1.
This covers all product, the booth and anyone you have working with you in it (as an employee, not a subcontractor).

I was told by Stephanie who runs it that if a vendor (a face painter) was to attempt to make a claim under performers insurance, they would be denied, and that if caught, they will be dropped from future coverage. Obviously, clowns acting as face painters don't fall under that.

It's all a buy in, so I don't see what it matters anyway but it evidently does.

Wow. Has anyone ever filed a claim with this coverage personally? I work in insurance but employee benefits. Don't really know the ends and outs of the commercial side. Anyone that has actually used the coverage have any reviews to share?

Carey Emory

All I know is that it has been covering face painters under the performers insurance side for years..... it even says on the documentation face painter, and it is the under $200 price, not the $350.
I even know face painters who have had to file claims and have talked t Stephanie.....never have heard that about the vendor stuff before, because face painters are not really vendors, they are selling a service, not a tangible product.

I'm with Specialty also and the rate for for performers, which covers face painters will be $200 for the upcoming year.
You can contact them with any questions, they're very nice. Answer is no, I have not filed a claim, but I know painters who have without incident and have been satisfied.

The only claim from a face painter that I know of that they refused to cover was when the face painter's car tires made a rut in a customer's lawn.
They said she would have to claim it on her car insurance or something like that.

Interesting, Stephanie knew I was buying US insurance to cover my booth for FP at the NY State Fair and never said a word about their being 2 sides, I am definatly going to contact her and verify this. My coverage is $200 but it only covers me, no other painters, my CDN insurance covers me and up to 2 employees for the same price.

The way I understood it, for booth coverage, you need the vendors policy.

I work almost exclusively in homes or at other businesses which is why I fall under the performers side. If I were working my own booth, I would not be covered under this policy.

I've emailed Stephane for clarification and I will be very surprised if this is all true, I hope that I haven't been working without true insurance. I appreciate that this has been brought up. I bought my insurance from Specialty last August specifically for the my booth at the NY State Fair, Stephanie knew that this was what it was for and actually rushed me a certificate to go in with my application. I will admit that I didn't do alot of research, I just went with everyone's reccomendation when I asked for US insurance info and called Stephanie right away. I will let you all know what her response is when I hear back from her.