INSURANCE SUPPORT FOR TALENT MANAGERS AND ARTIST REPRESENTATIVES
Kelly Insurance Group provides specialist insurance support for talent managers and artist representatives whose clients require comprehensive insurance coordination — performance and tour insurance, contract requirement support, personal risk management for high-income entertainers and athletes, business insurance for talent-led companies, and the coordinated personal and commercial insurance program management that talent managers need from a specialist insurance partner.
HOW KELLY INSURANCE GROUP SUPPORTS TALENT MANAGERS ACROSS THE FULL RANGE OF CLIENT INSURANCE NEEDS.
Tour agreements and performance contracts from major venues, festivals, and production companies routinely include insurance requirements: minimum general liability limits, employer's liability, workers compensation for touring crew and staff, and in some cases additional specialty coverage specific to the performance. A talent manager who identifies these requirements at contract review — rather than discovering them at load-in — provides significant logistical and scheduling value to the client and the production team.
An entertainer or athlete earning at the top of their profession has personal insurance needs that require specialist placement. High-value primary and secondary residences. A vehicle collection that may include exotic and collector cars. Significant jewelry, watch, and personal property collections. A personal umbrella that must be sized to reflect the client's actual net worth, not a conventional round number. Personal cyber protection for a public figure with a large online following. These are not standard personal insurance needs — they require a private client insurance specialist.
Many entertainers and athletes operate through talent-led business entities — production companies, management companies, merchandise businesses, and brand ventures. These entities need commercial insurance: general liability, professional liability, workers compensation, and in some cases specialty coverage specific to the business activity. Managing the business insurance alongside the personal insurance through one relationship provides coordination and eliminates gaps between the two programs.
A touring entertainment act employs or engages a crew — production staff, tour managers, drivers, security, and support staff. These workers have employer-related insurance implications: workers compensation in the state or states where they work, employer liability, and in some cases employment practices liability. Confirming that the tour's insurance program addresses these employer obligations — across multiple states and potentially multiple countries — is a specific tour insurance planning item.
The most efficient model for talent managers is a trusted referral relationship with a specialist insurance partner. When an insurance question arises — a contract requirement, a client coverage gap, a new business venture needing commercial coverage — the talent manager introduces the client to Kelly Insurance Group, and we handle the insurance from there. We communicate directly with the talent manager's team, handle the insurance professionally, and keep the manager informed at whatever level is most useful.
TALENT MANAGER INSURANCE SUPPORT SERVICES
TALENT MANAGERS WHO WORK WITH KELLY INSURANCE GROUP.
Any talent manager or artist representative whose clients have active performance and tour contracts, high-income personal insurance needs, or talent-led business ventures benefits from a specialist insurance partnership with Kelly Insurance Group.
- Talent managers for entertainers, musicians, and performing artists with active tour and performance contracts
- Athletic representatives managing high-income athlete clients with significant personal insurance needs
- Management companies whose clients operate talent-led businesses needing commercial insurance
- Artist representatives who negotiate performance and venue contracts with recurring insurance requirements
- Talent managers whose clients have personal insurance programs that have not been reviewed against their current income and asset level
- Any manager who wants a specialist insurance partner for both the talent's personal and business insurance needs
CHECK EVERY INSURANCE AREA THAT IS RELEVANT TO YOUR CLIENT'S CURRENT SITUATION.
Talent managers for entertainers, athletes, and public figures regularly encounter insurance situations across the full range of personal, business, and specialty coverage. This checklist identifies which areas are most relevant for active review.
Start here — at least one insurance area warrants a conversation with your client.
REFER YOUR CLIENT TO KELLY INSURANCE GROUPWHAT KELLY INSURANCE GROUP PROVIDES.
PERFORMANCE AND TOUR CONTRACT INSURANCE SUPPORT
Review of performance and tour contract insurance requirements, confirmation that existing coverage meets those requirements, certificate issuance and additional insured endorsements, and placement of any coverage gaps — delivered on the contract's timeline.
PERSONAL RISK MANAGEMENT FOR HIGH-INCOME CLIENTS
Comprehensive private client insurance review for entertainers and athletes — umbrella sizing, high-value home and auto, collections coverage, personal cyber protection, and specialty coverage for the client's specific lifestyle and asset profile.
BUSINESS INSURANCE FOR TALENT-LED COMPANIES
Commercial insurance placement for production companies, merchandise businesses, and other talent-led entities — general liability, professional liability, workers compensation, and specialty coverage coordinated with the talent's personal program.
TALENT MANAGER REFERRAL PARTNERSHIP
A structured referral partnership for talent managers who regularly encounter client insurance situations — with fast response commitments, professional client handling, and communication structured around the management team's workflow.
FOUR CLIENT INSURANCE SITUATIONS TALENT MANAGERS ENCOUNTER.
A venue or production contract that requires workers compensation for crew and staff cannot be satisfied if the client or their production entity has no workers compensation in place. This is a common discovery at contract review that delays or complicates deal execution. Proactive insurance review before the touring season starts is the practical solution.
A client whose umbrella was set when they were earlier in their career and whose net worth has since grown to several million dollars is significantly underinsured. The talent manager who identifies this gap and connects the client with an insurance review has provided meaningful risk management value.
A production company, merchandise brand, or management company operated by the talent that has no commercial general liability or professional liability coverage has significant uninsured exposure for any claims arising from its business activities. Personal insurance does not extend to business activities.
An entertainer on an international tour who does not have travel medical and evacuation coverage is a single serious illness or injury away from a six-figure out-of-pocket medical expense. Travel medical coverage for international tours should be a standard component of the tour insurance program.
QUESTIONS ADVISORS OFTEN ASK.
What insurance do performance and tour contracts typically require?
Tour and performance contracts from major venues, festivals, and production companies typically require: commercial general liability at minimum specified limits (commonly $1 million per occurrence, $2 million aggregate), employer's liability and workers compensation for crew and staff, and the venue or production company named as an additional insured. Some contracts require additional specialty coverage specific to the performance type or venue.
Does the talent's personal insurance cover their touring activities?
Generally not. Personal insurance covers personal activities — it typically excludes business and commercial activities, including professional performances. Touring and performance activities require commercial insurance appropriate for the entertainment industry.
What business insurance does a talent-led production company need?
A production company needs at minimum commercial general liability — covering bodily injury and property damage arising from business operations — and in most cases workers compensation for any employees or regularly engaged contractors. Professional liability (E&O), hired and non-owned auto, and specialty entertainment coverage may also be relevant depending on the company's activities.
How do I refer a client to Kelly Insurance Group?
An introduction by email or phone is all we need. We handle the insurance conversation directly with the client, communicate with the management team at whatever level is most useful, and resolve the insurance situation professionally. There is no paperwork or formal referral process required.
Can Kelly Insurance Group handle both the personal and business insurance for the same client?
Yes. We cover the full range of personal and commercial insurance through one relationship — personal umbrella, high-value home and auto, collections, personal cyber, business liability, workers compensation, and specialty entertainment coverage. Coordinating both programs through one partner eliminates the gaps that exist when they are managed separately.
What tour insurance should be in place before an international tour?
At minimum: workers compensation and employer liability for touring crew; commercial general liability meeting venue and festival requirements; travel medical and evacuation coverage for all touring personnel; equipment and instrument coverage; and in some cases K&R coverage for tours to elevated-risk international destinations.
READY TO START?
Tell us about your situation and a member of the team will be in touch.
A SPECIALIST INSURANCE PARTNER FOR YOUR CLIENTS' FULL INSURANCE PICTURE.
Kelly Insurance Group provides specialist insurance support for talent managers — performance contract insurance, personal risk management for high-income clients, business insurance for talent-led companies, and an ongoing referral partnership for the manager's full client roster.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.