Arts, Entertainment, and Recreation Insurance

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Arts, Entertainment and Recreation

Americans enjoy their leisure time. The arts, entertainment and recreation industry offers them numerous options of things to do, whether they prefer touring historical sites, attending sporting events, listening to live music or patronizing a variety of other entertainment outlets. 

This business sector, which provides employment opportunities for more than 2 million workers in this country, is vital to the nation’s economic health. 

If you own a business or establishment within this dynamic and diverse industry, it is important that you protect your investment with a commercial insurance policy designed specifically for the arts, entertainment and recreation sector.

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Business Types in the Arts, Entertainment and Recreation Industry Sector

All businesses in the United States are categorized into one of several different industry sectors and subsectors by the National American Industry Classification System (NAICS). This classification systems facilitates economists in the collection, analysis and reporting of financial data for various industries.

The arts, entertainment and recreation industry is made up of a wide range of establishments and facilities that provide patrons with cultural, entertainment or recreational services. These businesses can range from museums to amusement parks to sports venues. 

There are currently 313,646 American business establishments classified as falling within the NAICS’s arts, entertainment and recreation industry sector. These include the following:

  • Performing Arts Companies, including:
    • Theater Companies and Dinner Theaters
    • Dance Companies
  • Musical Groups and Artists
  • Sports Teams and Clubs
  • Racetracks
  • Promoters of Performing Arts, Sports, and Similar Events
  • Agents and Managers, for:
    • Artists
    • Athletes
    • Entertainers
    • Public Figures
  • Independent Artists, Writers and Performers
  • Cultural Sites, including:
    • Museums
    • Historical Sites
    • Zoos and Botanical Gardens
    • Nature Parks and Other Similar Institutions
  • Amusement and Theme Parks
  • Amusement Arcades
  • Casinos (independent of hotels) and Other GamblingIndustries
  • Golf Courses and Country Clubs
  • Skiing Facilities
  • Marinas
  • Fitness and Recreational Sports Centers
  • Bowling Centers

Coverage for the Arts, Entertainment and Recreation Industry Is Crucial

Companies in the arts, entertainment and recreation industry rely on large numbers of patrons visiting their establishments, and therefore face several potential hazards and inherent risks against which they need to be protected. 

Commercial insurance policies offer many different coverage options that enable business owners to build policies that are suitable to meet the specific needs of their individual companies.

Some examples of coverage options that may appeal to owners of businesses within the arts, entertainment and recreation industry include:

  • General liability insurance: This coverage is designed to protect your business in the event that a patron or other third party is injured or suffers property damage while visiting your establishment. Businesses in this industry rely on a heavy traffic flow of visitors so this coverage is of particular importance.
  • Workers compensation insurance: When you have large crowds of people gathering in one place, it is important that their safety and security are handled by a competent staff of workers. In many cases, these workers have a significant risk of becoming injured on the job. Should this occur, workers compensation insurance is designed to cover related medical bills and lost work time.
  • Interruption of income insurance: In the event of a natural or man-made disaster, you may need to close your establishment for an extended period of time. In such a case, you stand to lose a lot in the way of potential income. With this insurance coverage, you may be able to continue to take in an income sufficient to enable you to pay your monthly expenses until such time that you can resume normal business operations. Most policies will allow for up to 12 months of interruption of income coverage.

This, of course, is not a complete list of coverage types that are available to you when you build a commercial insurance plan. It is greatly to your benefit to discuss your coverage needs with an insurance professional who can advise you about appropriate coverage options and suggest reasonable coverage amounts.


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Build the Right Commercial Insurance Policy with the Help of an Independent Agent

Crafting a business insurance policy that is appropriate to meet all the coverage needs of your arts, entertainment or recreational organization can be a complex and time-consuming task. Rather than approaching this endeavor alone, you should request assistance from an independent insurance agent in our network. 

These agents are not captive to any specific insurance provider so they can comparison shop to find you competitively-priced coverage that is appropriate for your particular business. You can also enjoy the benefit of keeping all of your insurance solutions housed under one roof.

Find and contact an independent agent with an office near you to get more information. You can soon be comparing policies and quotes for insurance specifically tailored to the arts, entertainment and recreation industry.

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