Entertainers Liability

Accidents may happen, but the show must go on!

Customized Liability Insurance Plan for cruise line entertainers

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As an entertainer working onboard cruise ships you know that you need liability insurance, but did you know that most entertainer liability plans on the market do not provide an appropriate solution for entertainers working at sea? The unique lifestyle of a cruise ship entertainer is quite different from an entertainer working on shore, so why settle for a land-based liability insurance plan that may not cover you once the ship leaves the dock?


The Insurance Specialists at MHG Insurance Brokers have designed a liability insurance plan specifically for cruise ship entertainers which offers worldwide coverage, meets liability requirements of most cruise lines and is an affordable solution to appropriately cover your risk.


Plan Highlights


Liability Protection

Protects you against legal liability for injury/death of passengers, employees and crew as well as loss/damage to property on board, including passenger baggage.

Choice of Coverage

$1,000,000 limit each incident: 31 days $250 / 91 days $500 / 365 days $1,000

$5,000,000 limit each incident: 31 days $500 / 91 days $1,000 / 365 days $2,000



Meets cruise line requirements


Meets liability coverage requirements of most cruise lines.



Simple Enrollment


One page application form.





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Why do I need this insurance?
Before you go on board the ship you will sign a contract with the cruise line for your services. The contract requires you to carry insurance for:

  • Personal Accidents: This can be arranged separately.
  • Third Party Liability whilst on board the vessel: This is what this insurance policy covers subject to the policy terms and conditions.

What does this Third Party Liability Policy cover?
This is not a Personal Accident policy. This insurance policy covers your liability to third parties including passengers and crew of the cruise line.

Cover starts from the moment you board the vessel until you disembark whilst performing your duties under the employment contract. Cover is provided worldwide.

Does this Third Party Liability Policy cover me for performances on land?
No. If you are an entertainer based in the USA, you have probably purchased insurance cover for performances in the USA, but that will usually exclude any incidents occurring outside the USA and whilst over water. We aim to complement that cover, not replace it.

I will be moving from one cruise line to another during the period of insurance. Do I need one policy for each cruise line?
No, this Third Party Liability Policy will cover you for multiple cruise lines during the period of the Policy. You will need to notify underwriters of the cruise lines that you will be working for at the time of application.

Can I extend the period of this Third Party Liability Policy?
You can apply to extend the policy period for a 31 day Policy to 91 days online and you will only have to pay the difference in premium.

In all other situations where you need an additional period of cover, you will have to reapply online and a new Policy will be issued to you.

What if I am only on board for a week out of every month?
The Policy is provided on a calendar day basis, not on the basis of the total number of days you spend at sea.

What do you mean by passenger interaction?
Passenger interaction is where your performance involves passengers, for example general audience participation, inviting a member of the audience on stage or performing with the audience.

In order that we can adequately assess your application, we need to know the type and level of passenger interaction you anticipate you will have while you perform.

Can I pay in instalments?
No. Premiums have to be paid in full before the Third Party Liability Cover Policy commences.

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MHG Ocean Benefits Ltd
21a - 23 Athol Street
Douglas, Isle of Man, IM1 1LB, British Isles
Tel: +44 (0) 1624 678668

MHG Ocean Benefits Limited, trading as MHG Ocean Benefits, MHG Insurance Brokers and MHG Underwriting Services, is registered with the Isle of Man Financial Services Authority as an insurance intermediary in respect of General Business. Registered in the Isle of Man, company number: 120885C