Though it may not be something that you have considered as an independent director or performer, general liability insurance is an incredibly valuable asset to have. While a company will most likely have resources at its disposal should a legal situation arise, for an individual there may just be your savings account standing between you and an insurance claim.
This insurance covers you for damages to a location or for injury to an uninvolved bystander or audience member. It also covers your legal fees if anyone sues you because of either of the aforementioned scenarios, meaning it will give you peace of mind for the next controversial site-specific performance that you may have in the works.
As an individual, this coverage is most important if you are hosting showings or events, if you are performing outside for the general public, or if you are considering anything requiring permits from your city.
And if you teach, get this coverage immediately. An injury to a student is the last thing that anyone wants to consider, but in that circumstance you can be held responsible.
Since this is a solo operation, I don’t have anyone I pay but I do shamelessly beg my friends to usher my shows. Done under duress or not, that’s still considered volunteering. Do them a favor. Volunteer Accident
I don’t have any actors, but I do pay my marketing manager. Nice work! Workers' Compensation