Authors, Educators, Entertainers & Models

Many people seek opportunities for artistic expression or to cultivate the knowledge of others, but few are fortunate enough to create thriving businesses based on such passions. We know that you've worked hard to establish your home-based business, which is why we present customized insurance policies that provide protection to fit your unique profession.

Art Instructor

Art instructors covered under this policy teach techniques which help students develop their artistic skills in mediums such as ceramics, sculpture, painting and drawing.

Note: Abuse or Molestation Exclusion and Communicable Disease Exclusion* will be attached to all policies in states where approved.

Blogger

This class pertains to writers who create an online diary of their own experiences, observations, personal reflections, comments and/or opinions via a blog (short for web log), which can include videos, photographs, and hyperlinks.

Note: Personal and Advertising Injury Exclusion, Intellectual Property Hazard Exclusion, and Communicable Disease Exclusion* will be attached to all policies written for this class. *Exclusion attaches in states where approved.

Clowns, Magicians and Entertainers

Clowns, magicians, and entertainers provide seasonal or year-round live entertainment for birthday parties, small gatherings, and special events. Performers often operate in a number of different venues, from personal homes to festivals that may require the addition of an Additional Insured endorsement.

Face painting and temporary “painted/stickered” tattoos are eligible under this class. However, bands, inflatables, petting zoos or animal trainers, as well as talent and booking agents do not qualify. Information about Disk Jockeys (DJs) can be found under the DJ business class.

Note: Abuse Molestation Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Dance Instructor

Dance instructors can lead ongoing educational series for individuals and groups, as well as provide one-time instruction for special events like weddings or corporate events. We envelop a wide variety of styles under this policy, including tap, ballet, jazz, and Latin styles. However, tumbling and gymnastics instructors do not fall under this classification.

Note: Medical Expenses Coverage Exclusion, Abuse Molestation Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.

DJ

Disc Jockey businesses covered by this policy include individual(s) who select and play prerecorded music for an audience. Understandably, equipment can be quite expensive and festive settings can put gear at jeopardy, making Home Business Insurance vital to any DJ.

Note: Intellectual Property Hazard Exclusion, Personal and Advertising Injury Exclusion, Abuse Molestation Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.

Model

A model is an individual who serves as a subject for an artist or photographer. Modeling types can be broken down into two broad categories: fashion modeling and commercial modeling. The former promotes fashion and beauty, and the latter promotes products and services of all kinds. Eligible modeling services can include fashion shows or the demonstration of products in showrooms or at trade shows. Similarly, models covered under this class may be photographed or sketched for catalogs, advertisements, editorials, etc. Modeling agencies are not eligible under this class.

Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Professional Speaker

Professional speakers are qualified individuals who have speaking experience and use their presentation skills to train, lecture, inspire, motivate, entertain, and communicate a myriad of topics. These individuals make appearances at meetings, conferences, conventions, trade shows, seminars, etc. Please note that this classification does not extend to management consultants.

Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Publisher

A publisher prepares and issues printed material for public distribution or sale. Related functions include preparing manuscripts for typesetter, supervising the book manufacturing process, marketing and publicizing, processing orders, and warehousing and shipping of printed products.

Note: Intellectual Property Hazard Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Teacher/Tutor

A teacher will give instruction and impart knowledge or skills to a group of students. Similarly, a tutor is a private educator who gives additional, special, or remedial aid. Consultants may be written under this class, granted that only “teach” a process, no actual “hands on” work is allowed (i.e. may teach how to program a robot, but no actual programming of the robot can be performed).

The sale of authored materials (i.e. books or manuals) requires the secondary code of Writers/Authors attached to the insurance policy. Gross annual sales of such materials may not exceed 30%. Teaching/tutoring of sports, physical education, industrial, or martial arts is not eligible under this class.

Note: Abuse Molestation Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Writer & Author

Our policy for writers and authors extend to professionals that contribute to the completion of books, articles, and other commissioned work. This classification encompasses technical and grant writers, providing that they do not receive or distribute funds. 

Note: Personal and Advertising Injury Exclusion, Intellectual Property Hazard Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.