Standard general liability policies often fall short for children's entertainers in ways that matter. Your costumes, props, and equipment travel with you to every job and represent a real financial investment if they're lost, stolen, or damaged — and the liability exposure that comes with performing for children in public venues, private homes, and corporate events requires coverage that's built for what you actually do.

RFK Insurance builds insurance packages for children's entertainers and holiday performers across the country — from solo Santa performers to entertainment companies running full teams of holiday characters.

Christmas Performers: Professional Christmas performers are one of the most specialized categories in the entertainment industry — and one of the most underinsured. Whether you work solo for private parties and corporate events, partner with malls and retail locations, or run a full Santa experience business with photo packages and events, you have real liability exposure that requires a policy built for holiday character performance. We cover Santa performers for both the holiday season and year-round bookings.

Easter Bunny & Holiday Character Performers: Easter Bunny performers, holiday characters, and seasonal entertainment acts face the same liability profile as Santa performers — working in close physical contact with children in public venues, retail settings, and private events. We cover Easter Bunny performers, holiday mascot acts, and seasonal character entertainment businesses.

Magicians & Illusionists: Party magicians and stage illusionists performing for children face general liability exposure from their performance environment, professional liability exposure if a show goes wrong, and property exposure for equipment and illusion apparatus that can be expensive to repair or replace. We cover magicians performing at birthday parties, schools, corporate family events, and public venues.

Face Painters & Balloon Artists: Face painters and balloon artists work in close proximity to children and use products applied directly to skin — creating product liability exposure in addition to standard general liability. A child with an unlisted skin allergy, a reaction to face paint ingredients, or an injury from a balloon pop can all result in claims. We write coverage for face painters and balloon artists performing at events, parties, and public venues.

Clowns & Comedy Performers: Professional clowns performing for children's events and parties face standard entertainer liability — slip and fall, injury during a performance, property damage at a venue. We cover clown performers and comedy entertainment acts working in children's event markets.

Party Entertainers & Character Performers: Princess parties, superhero entertainment, character visit businesses, and themed party entertainment companies all involve performing in costume for young children — often in private homes, event spaces, or public venues. We cover character entertainment companies and solo performers in this growing market.

Petting Zoos & Animal Entertainers: Mobile petting zoos, animal encounter entertainers, and exotic animal performance acts that perform at children's events have a specific liability profile — animal bites, allergic reactions, and the logistical liability of moving live animals through public or private spaces. We cover animal entertainment acts performing at children's events.

Foam Party Entertainers: Foam parties have become one of the most popular children's event experiences — and one of the most liability-intensive. Foam machines create wet, slippery surfaces that significantly raise the risk of slip-and-fall injuries among children and adults at the event. Water and foam intrusion can damage venue flooring, electrical systems, and property. And the equipment itself — foam machines, blowers, hoses, and solution tanks — represents a real investment that travels to every job. Many general liability policies don't specifically address the elevated slip-and-fall exposure of foam events, and some venue contracts require higher liability limits or specific endorsements for foam entertainment. We write coverage for foam party entertainers that addresses the actual risk profile of this type of event — not a standard entertainer policy that wasn't designed for it.

Children's Entertainment Companies: Multi-performer entertainment companies — those running teams of Santas, holiday character rosters, or party entertainment lineups — need commercial coverage scaled for a business with multiple performers, employees or contractors, and bookings across multiple venues simultaneously. We build programs for children's entertainment businesses of every size.

A complete insurance package for a beverage manufacturer or distributor in New Jersey typically includes the following:

Professional Christmas performers — Santa Claus performers especially — work in a compressed, high-intensity window where every booking matters and every cancellation hurts. The holidays also bring a specific set of liability exposures:

High-Volume Bookings in Short Windows: A Santa performer working from Thanksgiving through Christmas Eve may do hundreds of appearances. Each appearance is a separate liability event — in a different venue, with different clients, and different children. Your policy needs to cover all of them.

Mall, Retail & Corporate Venues: Major retailers, mall management companies, and corporate event planners often require specific liability limits and additional insured endorsements before a holiday performer can work on their property. We're familiar with these requirements and can structure your policy to meet them.

Photo Operations: Santa performers who offer on-site photo packages have equipment exposure — cameras, lighting, backdrops, printers — in addition to their performance liability. We'll make sure your policy covers the full scope of your operation.

Helpers & Assistants: If you work with elves, assistants, or a team of performers during the season, your coverage needs to extend to them and their activities. We'll structure coverage for solo performers and for entertainment companies with seasonal staff.

Most insurance agents have never set foot on a stage, worked a holiday event, or understood what it means to build a business around performing. Joey Klein, the EVP of RFK Insurance, has spent over 15 years in the entertainment industry — which means when you call us about entertainer insurance, you're talking to someone who actually understands your world. The seasonal booking pressure, the venue certificate requirements, the equipment you can't afford to lose, and the liability exposure that comes with performing for kids in front of parents who are watching closely.

That background shapes how we build entertainer policies. We're not checking boxes — we're covering the risks we know exist because we've seen them firsthand.

As an independent agency, we work with multiple carriers and can compare options to find the right coverage at the right price for your specific situation — whether you do 10 events a year or 300. We work with children's entertainers and holiday performers across the country, from solo Santa performers booking their first mall contract to multi-city entertainment companies managing full seasonal rosters.

We are licensed to place insurance in the following states, allowing us to serve children's entertainers, holiday performers, and beverage businesses across most of the country:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas, Utah, Vermont, Virginia, Wisconsin, and Wyoming.

If your state isbt  listed above, Give us a call and we will try to get it added