Christmas Performer Insurance

Insurance for Santa performers, Mrs. Claus and elf entertainers — liability for mall, retail, corporate and private bookings, plus costume and equipment coverage.

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Insurance for Santa, Mrs. Claus & Elf Performers

Santa, Mrs. Claus and elf performers spend the holiday season working some of the most high-traffic venues of the year — malls, retail stores, corporate parties and private home visits — often for six straight weeks of back-to-back bookings. A standard general liability policy wasn’t built for that pace, or for how close you work with children taking photos on your lap.

Costumes, beards, wigs and photo-set equipment represent a real investment too, and most homeowners or renters policies exclude business equipment entirely.

RFK Insurance writes coverage for Santa, Mrs. Claus and elf performers across the country — from a single mall Santa to a full agency placing dozens of characters each season.

One Policy, Every Character You Play

This program is built for entertainers operating out of their primary residence, covering businesses with up to 3 employees or subcontractors. It includes protection for most children’s entertainer activities — so if you also work as a clown, magician, face painter, balloon twister, Easter Bunny or similar character, you’re typically covered under this same policy instead of needing a separate one for each act.

Who We Cover

Mall & Retail Santas
Santa performers booked by malls, shopping centers and retail stores for photo sessions throughout the season.

Corporate & Private Event Santas
Santa visits for corporate parties, private homes and community events.

Mrs. Claus Performers
Mrs. Claus appearances alongside Santa or as a solo Mrs Claus for parties and events.

Elf Performers & Helpers
Elves working photo sets, lines and events alongside Santa and Mrs. Claus.

Santa & Holiday Character Agencies
Businesses placing multiple Santas, Mrs. Clauses and elves at malls, retailers and events each season — see Entertainment Company Insurance for larger rosters.

Santa’s Workshop & Cottage Owners
Santas who’ve built a workshop, cottage or themed building on their own property for families to visit, take photos and meet Santa outside of a mall or venue setting

The Coverage Christmas Performers Actually Need

General Liability Insurance

Covers bodily injury and property damage from your work — a child who slips near your photo set, a guest hurt in line, damage to a mall or venue’s property. It’s what malls, retailers and corporate clients ask for before you can book.

Professional
Liability

If a client claims your performance didn't meet the standard promised — you were late, the wrong character showed up, the show didn't match what was contracted — professional liability covers disputes over your services. For entertainment businesses running multiple simultaneous bookings, this becomes particularly relevant.

Business Personal Property

Covers your costumes, beards, wigs, photo backdrops and display equipment — whether it’s at home or out at a mall, event or private booking.

Business Income with Extra Expense

Replaces lost income and covers extra costs if a covered loss, like a fire or theft, keeps you from performing during the season.

Medical
Expense

Pays small medical bills for a minor injury at your event regardless of fault, often resolving a claim before it becomes a lawsuit.

Christmas Performers: What Makes Your Season Different

High-volume bookings in a short window
Six weeks of back-to-back bookings compress a year’s worth of exposure into one season.

Mall, retail & corporate venues
Each venue has its own contract requirements and certificate deadlines, often needed before Black Friday.

Photo operations
Long lines of children sitting on your lap for photos all day raise a close-contact exposure most other acts don’t have.

Helpers & assistants
Mrs. Claus, elves and photographers working alongside you mean your coverage needs to extend beyond just you.

Opening your own property to visitors
A workshop or cottage on your land turns your own property into a venue — with the parking, walkway and building-safety exposure that comes with inviting the public onto private land, on top of your performer coverage

Why Children's Entertainers Choose RFK Insurance

RFK Insurance has protected families and businesses since 1922, and today we insure professional Santas, Mrs. Clauses and elf performers across the country. Joey Klein, who leads the program, and is also a Santa has spent more than 15 years in the entertainment industry and built RFK’s dedicated Santa and holiday performer insurance program from the ground up.

States Where We're Licensed to Write Coverage

We are licensed to place insurance in the following states, allowing us to serve children's entertainers, holiday performers, and 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, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Wisconsin, and Wyoming.

If your state isn't listed above, Give us a call and we will try to get it added

Already performing without coverage? Call us before your next booking.

Children's entertainment is a relationship business — built on reputation, referrals, and years of trust. One uncovered claim can end it. RFK Insurance will build a coverage package that protects your business, your reputation, and your ability to keep doing what you do.
Call us at (973) 582-6200 or request a free quote below.

Get Your Free Christmas Performers Insurance Quote