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"Didn't think we'd ever find insurance until we found Primo."

At Primo, we like all our clients to feel this way

Mascot Insurance:

Specialist Cover for the Characters We Love

Arranging insurance for mascots is a specialty we've developed over time. From Mickey Mouse to the Incredible Hulk, we provide comprehensive insurance solutions for those who entertain us in costume.

Why Mascot Insurance?

Mascots are the heart and soul of many organisations, from global brands like Disney to local sports teams. They bring joy and create unforgettable memories. However, the costs associated with mascot entertainment are often overlooked.
Elaborate costumes, potential accidents due to limited visibility and movement, and the unique nature of interacting with the public, all necessitate specialised insurance protection.

What Does Mascot Insurance Cover?

  • Public Liability:

    This is the most common type of cover for mascots, protecting you from financial losses and legal costs if a member of the public is injured or their property is damaged due to your mascot's actions.
  • Employers' Liability:

    If you employ someone to portray your mascot, even part-time, you're legally required to have this insurance. It covers compensation claims from employees who are injured or become ill due to their work as a mascot.
  • All Risks Cover (Costume):

    This comprehensive option protects the mascot costume against loss, damage, or theft, offering peace of mind for a valuable asset.

Cover Conditions

Mascot insurance is similar to policies for sumo suits used in the leisure industry. Key conditions usually include:
  • Participants in activities with the mascot must be of a similar age and size.
  • If activities take place on a hard surface, adequate safety mats and barriers must be in place.
  • There should be sufficient clearance from objects and spectators to minimize the risk of injury.

Arrange Your Mascot Insurance with Primo

Primo is your trusted partner in arranging the correct insurance for your mascot. Our expertise and experience ensure your beloved characters are protected, allowing them to continue delighting audiences without worry.

Contact us today to discuss your specific needs and get a tailored quote.

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Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.

Mascot Insurance FAQ: Protect Your Mascot and Your Business  | Primo

  • What is mascot insurance, and why do I need it?

    Mascot insurance is a specialised type of insurance that protects organisations and individuals who use mascots for entertainment or promotional purposes. It's essential because mascots often interact closely with the public, increasing the risk of accidents, injuries, or property damage. Mascot insurance can cover legal costs, compensation claims, and even damage to expensive mascot costumes.
  • What types of cover are typically included in mascot insurance?

    • Public Liability:Protects against claims from members of the public who suffer injuries or property damage due to the mascot's actions.
    • Employers' Liability:A legal requirement if you employ someone to portray your mascot, covering compensation claims from employees who are injured or become ill due to their work.
    • All Risks (Costume) Cover:Protects the mascot costume against loss, damage, or theft, as costumes can be expensive investments.
  • Do I need mascot insurance if I only use my mascot occasionally?

    Yes, even occasional use exposes you to risks. An accident can happen at any time, and without insurance, you could face significant financial burdens.
  • What factors affect the cost of mascot insurance?

    Several factors influence premiums, including:
    • Frequency of use:The more often the mascot is used, the higher the risk, and potentially the premium.
    • Type of events:Events with large crowds or activities involving physical interaction may require higher cover levels.
    • Value of the costume:More expensive costumes may require higher levels of all risks cover.
    • Claims history:A history of claims could lead to increased premiums.
  • Can I get mascot insurance if my mascot participates in high-risk activities?

    Yes, but you may need to disclose the specific activities and risks involved to your insurer. Some activities may require additional cover or specific exclusions.
  • How do I choose the right level of cover for my mascot?

    Discuss your specific needs with an insurance broker experienced in mascot insurance. They can assess your risks and recommend appropriate cover levels to protect you and your mascot adequately.
  • What should I do if an incident occurs involving my mascot?

    Immediately notify your insurance broker or insurer and provide all relevant details. Follow their instructions for reporting the incident and potential claims process.

Other Insurance For Consideration

Commercial Fleet Insurance

Driver getting in his van
Comprehensive, third party, fire and theft or third party only cover arranged for your business' vehicles or commercial fleet.

Commercial Property Insurance

Commercial property insurance headed page on a clipboard with a blue background
Do you need commercial property insurance in addition to liability cover? We can also arrange as a stand-alone policy.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.

Help with choosing the right cover options for your business.

If you are new to business insurance or would like a simple overview of the cover options please see below.
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Public Liability

Anyone who works with or around people will need this insurance. You may have just started a new bouncy castle business, or perhaps you operate part-time to increase your monthly income.

Employer's Liability

If you employ someone who isn't family or has a part-time assistant, paid or voluntary, then by law (unless exempt), you will require employers' liability in addition to your public liability.
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Business Premises

It sounds rather official, doesn't it? However, it can be as simple as a secure lock-up where you keep your equipment. Business premises will cover your buildings and often include the fixtures and fittings as well.

Business Interruption

You should consider business interruption if you rely on your business' income. If your company cannot trade as expected, for example, if there is flooding and you cannot get to your equipment at your premises, this cover will protect you against financial loss.
Flooded shops show why business interruption cover is important
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Goods in Transit

Often, the equipment you transport is quite expensive, and while your vehicle may have an excellent cover package, you may need more than the replacement cost of your equipment, and you could find yourself out of pocket. It's worth checking with your insurance provider.
This cover can be helpful for any business, either established or a new start-up. While public liability will cover you against your company's negligence should it occur, what cover protects you against the costs of defending against a claim that isn't or wasn't your fault?
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Personal Accident and Assault

Personal accident and assault covers you financially should you be unable to work due to an injury.

Equipment Cover

It covers the replacement cost of your equipment should it be lost, stolen, or damaged. Depending on the provider, the level of coverage may have exclusions or limits, so please ensure you speak to your broker.
brightly coloured bouncy castles and other inflatable equipment
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Money and Banking

This policy provides coverage up to a limit for loss of money held. Cash limits may vary from insurer to insurer, so please speak to your broker about any exclusions and the limits placed on your expected policy.
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