Entertainment Performed on Others' Premises

What Does GL Code 43215 Cover?

ISO GL class code 43215 pertains to entertainment performers who operate on premises owned or managed by others. This classification encompasses a wide array of performing arts activities where the entertainer does not own the venue, covering the general liability exposures associated with their performance and interaction with the public.

Who Uses This Class Code?

This code applies to individual entertainers, musical groups, comedians, magicians, dancers, theatrical performers, and variety acts who are hired to perform at various locations such as event venues, restaurants, hotels, private parties, and corporate functions.

Common GL Claims for This Class

Common claims for entertainment performers include bodily injury to audience members from slips, trips, or falls during a performance, or property damage to the venue caused by equipment during setup or the act itself.

Coverage Tips for Code 43215

• Ensure your policy includes coverage for independent contractors if you hire other performers, requiring them to carry their own GL and name you as additional insured.
• Verify that your General Liability policy includes coverage for bodily injury and property damage arising from your performance, including setup and teardown activities.
• Consider purchasing Inland Marine coverage for your specialized equipment (instruments, sound systems, props) as standard GL policies typically exclude coverage for your own property.
• In Florida, always confirm venue-specific insurance requirements, as many establishments demand higher limits or specific endorsements for entertainers performing on their property.