As a clown you should strive to be as professional as possible. One of the smartest ways to make yourself more professional is to have insurance. A lot of clowns choose to forgo the expense of insurance and this is a big mistake. All it takes is one person to decide that you caused them heartache, damage or other disservice and poof you have a lawsuit on your hands.
Some things you might consider…

1. What are your work habits including products, cleanliness, staffing and organization skills?
2. An allergic reaction?
3. Poke a child in the eye with a brush
4. Your table, chair or other equipment cause injury to a child or to personal property
5. Mixing your products with unsafe materials
6. Use contaminated water
7. Cross contaminate children
8. Be in an unsafe work area
9. Sexual harassment claims
10. Physical abuse claims

A lot of these things you will never encounter but there is always a chance. Not having insurance is a great way to limit the jobs that are available to you. A lot of businesses and other entities want to know that you have insurance and what it covers. Another part of clowning is parades and most parade organizers require anyone in the parade to have some sort of insurance to limit their personal liability.

So do yourself a favor and get insurance it is offered by a lot of different groups and companies. i would suggest getting the insurance offered by COAI as it is specific to clowns and is quite reasonable.