Theatre Insurance

Professional cover for theatres, production companies, workshops, drama groups, and performance arts organisations. Choose from optional levels of theatre liability cover, cancellation cover and theatre contents insurance.

About Theatre Insurance

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Flexible theatre cover

Insurance for theatres, production companies, workshops, and performance arts organisations.

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Discounts available

Additional discounts and exclusivity for The Little Theatre Guild members.

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Professional theatre insurance underwriters

Underwritten by insurers such as Hiscox, Zurich, Aviva, Allianz and Ecclesiastical.

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Pay by Direct Debit

You can split your theatre insurance payments into equal monthly instalments.

Features of Theatre Insurance

Standard cover

Theatre contents insurance

Your property, equipment, set, and stage are key to a great performance. That’s why we include many types of protection for things like technical equipment, lights and rigs, musical instruments, props, sets and costumes. So, whether it’s for theft or an accidental breakage, you can pick and choose the cover you need.

Theatre liability insurance

Your performers, staff and guests are the life and soul of your theatre. So, our theatre policies include optional levels of public and employer’s liability insurance for their protection. Our business interruption cover can provide a payout if an incident means you have to stop trading. We even offer our customers a free online risk management service that provides document templates, online training, and regulatory updates.

Cancellation & non-appearance insurance

No one ever wants to cancel a performance - not after all the work that’s gone in and with expecting guests queuing round the street. We have specialist cancellation protection to cover you if the show really can’t go on. So, in the event of an insured peril (such as a delayed flight for the performers, or a fire in the building), we can pay out to cover the loss of income and reputation.

Drama groups insurance

If you have a theatre or drama group, you may want to have specific insurance for them, as well as for your business. Our liability package covers you to hold rehearsals and performances on your premises but we can also include optional travel insurance specifically for performance groups too. This includes medical expenses, cancellation, equipment and personal belongings cover - it is priced based on how much you travel.

Theatre Insurance FAQs

Question

Why use Towergate for theatre insurance?

Answer

Towergate sources specialist business insurance policies for theatres to cover the risks that these venues face. As one of the UK’s largest independently owned insurance brokers we use our enormous buying power to give you access to a competitive panel of leading insurers. This keeps the quality of your cover high and your premiums competitive.

Our team of experts have many years experience in the theatre business and understand the risk factors specific to this unique environment. We protect many members of the Little Theatre Guild, so you can rely on us to identify and manage the exposures you face with a tailored policy specific to your requirements. 

We’ll help you minimise the effects of those unforeseen circumstances that could dramatically affect your day-to-day income and just as importantly, your reputation. 

Question

What is the online risk management service?

Answer

Theatre Safe is our free service designed to help small to medium sized theatres and companies navigate the world of risk and risk management. It includes template documents to help assess and manage the risks you face as a business, plus online training, and regular updates to changes and developments in this area.

Question

We use fire and pyrotechnics in some of our performances. Can you include cover for this?

Answer

We are well positioned in the insurance market to source the best cover for things like pyrotechnics and aerial displays. Due to the higher risk involved, it does shorten the list of possible policies available, but we will be sure to provide the best available option we can find.

Question

Many of our staff are volunteers. Do we need insurance for them?

Answer

The short answer is yes. Anyone working on behalf of your company either paid (full time or part time), interns, volunteers, contractors and, in some cases, performers, can be classed as employees. It is therefore your legal responsibility to make sure you have adequate cover in place for their protection.

Question

We hire out our space for private, non-performance related events, will we be covered for these too?

Answer

Yes, we can provide the correct cover for private or public events and even open-air events and those away from the theatre itself. Simply make us aware of your requirements when you speak with one of our advisers.

Question

Do you have experience in the arts yourself?

Answer

Absolutely. Not only do we have a long history in providing specialist insurance to niche industries, but Kenny Robinson, an Account Executive in our theatre insurance department, has 36 years’ experience in the theatre as a performer, designer, director and choreographer (with BA Drama from Wits University). For the last 15 years he has been heavily involved with the Little Theatre Guild central region members as a performer/director and served on the committee of The Loft Theatre in Leamington Spa as Artistic and Technical Director. If Kenny is happy with a policy in this area, this is when we know it’s ready to be sold!

Question

Can I pay in instalments?

Answer

To help you spread the cost of your theatre insurance premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Can you provide amateur theatre insurance?

Answer

Yes, we offer insurance for amateur theatres as well as professional ones.

Question

What does your theatre insurance cover?

Answer

Our amateur and professional theatre insurance can cover:

  • Theft cover without the need of forcible and violent entry
  • Fidelity Guarantee (cover for employee dishonesty)
  • Agreed value cover for fine art and exhibits
  • Goods in transit cover including touring exhibitions
  • Business interruption extensions for bomb hoaxes, loss of licence, failure of lighting , loss of attraction, food poisoning
  • Cancellation cover
  • Charity trustees indemnity
  • Cover for non-standard risks including Grade 1 and 2 listed buildings         

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give us a call

on 0116 240 7915 for theatre insurance

3.

Explain what happened accurately

to help your claim be processed efficiently

4.

Provide photos where possible

to help us understand what happened as quickly as we can