If you're doing restaraunt magic do you need some type of insurance or something like that to be legally safe? Can you just go out and be hired by a restaurant? I think I'm good with my magic and all that type of thing to where I can do it if I decide to this summer, but I just didn't want to not have something that I would need.
The I.B.M. and S.A.M. both offer liability insurance for around (US)$120 a year. Also Al Fellerman's agency Clowns of the U.S. has performers liability. Talk to Stefanie there.
A word about the effects you use. These policies all EXCLUDE fire effects, except flash paper. Live animals are not allowed in restaurants except guide dogs.
As part of my promo material I have copies of my insurance cover sheet. Then when a restaurant uses me I give them a copy for their files. If you do not have liability and anything happens. YOU PAY. In this day when people will sue for the stupidest things just to defend yourself without insurance will run several thousand dollars for an attorny. With insurance it costs you nothing but the premium you paid.