Theater Insurance Expertise

At Kelly Insurance, we recognize that theater insurance goes beyond just protecting physical assets. It's about safeguarding the artistic vision and livelihood of theater companies — whether professional, community, or experimental.

Our theatrical insurance expertise ensures you can focus on delivering captivating performances while we handle the complexities of coverage for rehearsals, productions, touring, and venues.

TULIP Programs (Tenant User Liability Insurance Programs)

TULIP programs provide essential liability coverage for organizations that rent or use facilities for events, rehearsals, classes, or performances.

Perfect for arts groups that don't own their space — protects you and satisfies venue requirements without needing costly additional insured endorsements on your own policy.

Liquor Liability

Imagine organizing a large-scale charity fundraiser or gala at a rented venue. A vendor unexpectedly serves alcohol without your permission, leading to an incident.

Liquor liability coverage protects your organization from claims arising from alcohol-related accidents, even if you didn't serve it yourself. Essential for donor events, openings, and after-parties.

General Liability

A general liability policy covers claims of bodily injury, property damage, personal injury, and advertising injury during your operations — from audience slips in low lighting to vendor disputes.

Provides financial protection against lawsuits and legal claims, crucial for theaters, galleries, dance studios, and community events.

Property & Equipment Insurance

Commercial property insurance safeguards your buildings, rehearsal spaces, offices, and equipment from fire, theft, vandalism, or natural disasters.

Theater production insurance extends coverage to stage sets, props, lighting, sound gear, costumes, and exhibits — protecting your creative assets during rehearsals, performances, and storage.

Workers' Compensation

Provides benefits to employees (actors, crew, staff) who suffer work-related injuries or illnesses — from stage falls to repetitive strain injuries.

Meets legal requirements and supports a safe environment for all theater sizes, including community groups, amateur organizations, and production teams.

Employment Practices Liability (EPLI)

Protects against claims related to wrongful termination, discrimination, harassment, failure to promote, or breach of employment contract.

Essential for theater companies with staff, volunteers, and board members — distinct from D&O (leadership-focused) and professional liability.

Inland Marine & Equipment Coverage

Covers instruments, costumes, sets, props, lighting, sound gear, and exhibits while in transit, storage, or at temporary venues.

Critical for touring companies, dance troupes, galleries, and museums where property moves frequently.

Cyber Insurance

Protects against data breaches, ransomware, phishing, and online ticket sales hacks — common risks for organizations with donor databases, online ticketing, or virtual events.

Covers notification costs, legal fees, credit monitoring, and business interruption from cyber incidents.

Group Accident & Volunteer Accident Insurance

Provides medical expense and disability benefits for accidents to volunteers, staff, participants, and performers — especially important for high-risk activities like dance, circus arts, or set construction.

Offers peace of mind for community groups, youth programs, and events with many unpaid contributors.

Directors & Officers (D&O) Liability

Protects board members and leadership from claims related to governance decisions, mismanagement allegations, or employment practices.

Event Cancellation Insurance

Covers lost revenue and expenses if performances, festivals, or exhibitions are canceled due to weather, illness, venue issues, or other covered perils.

Business Interruption

Reimburses lost income and extra expenses if your venue or operations are disrupted by covered losses (e.g., fire, equipment failure).

Umbrella / Excess Liability

Provides extra protection when primary limits are exhausted — vital for large events, crowds, or high-value assets.