Clown insurance is a product offered to professional clowns to protect against unforeseeable events, as even clowns are subject to accidents and negative outcomes. This unique type of insurance is the result of the process of risk assessment, which has shown that bad things can happen to anyone, including clowns. The clown community has recognized the need for insurance, and companies such as Blackfriars Insurance Brokers in the UK offer public liability coverage up to £5 million to meet the business and personal insurance needs of clowns.

Even foreign clowns can join the World Clown Association and obtain liability insurance with coverage of $1 million per occurrence/$2 million aggregate per event. However, the insurance application form excludes activities that pose a higher risk, such as hypnosis, bouncy castles, hot air balloons, skydiving, or competition racing. The association has also set limitations on other activities, such as juggling, working with animals, and the use of pyrotechnics, explosives, or fireworks.

In the US, clowns are considered a specialized species of customers, and insurers offer various types of clown insurance policies. While standard clown insurance policies used to cover other similar professions, such as hypnotists and face-painters, legal climate change has prompted insurers to offer more specialized policies intended solely for professional clowns.

In summary, clown insurance is a necessary protection for those who make their living as a clown. As with any insurance policy, care must be taken to ensure that the coverage offered is appropriate for the policy holder’s activities.