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How to Protect Your Event With Festival Insurance

Festivals offer unique opportunities to celebrate shared interests and passions in a communal environment.

These energetic events attract all sorts of attendees, and with huge crowds, expensive equipment, and other risky features, getting the right insurance for your festival is crucial.

A line of people sit in the grass at a music festival behind a crowd of people.
Festival Insurance Gives You Peace of Mind for Your Event

What Is Festival Insurance?

Festivals often entail the collaboration of numerous industries, vendors, and venues, and depending on the type of festival being held, the risks involved can be numerous.

Festival insurance can help protect organizers, staff, vendors, guests, and other involved parties if anything goes wrong.

Why Do You Need Insurance for Your Festival?

Getting insurance for your festival means accounting for any potential mishap or accident that could occur.

Because festivals often host hundreds if not thousands of guests, not to mention performers and vendors, it is important to acquire sufficient coverage in case anyone gets hurt, property gets damaged, or other incidents occur.

Venue Requirements

If you are renting a venue to host your festival, you will need to consult the owner of the venue as well as the agreements you have made with them. Often, venues require festival organizers to purchase festival insurance before they agree to let them use the space.

General liability insurance, up to a specified amount, is one of the most common policies required by hosting venues.

Sponsor & Vendor Requirements

Similarly, sponsors and vendors may require festival organizers to obtain sufficient insurance before committing to fund or participate in the festival.

Getting insurance shows all festival participants and involved parties that the organizers are dedicated to following the rules, abiding by regulations, and keeping everyone safe.

Expect the Unexpected

When you obtain festival insurance, you are effectively protecting yourself from the unknown. There are numerous factors at play during a festival, even one operating on a small scale, and the right insurance policy can help you account for any accidents or errors that affect the festival.

Avoid Unnecessary Expenses

Getting insurance for your festival means protecting your business, your labor of love; while you will have to pay for insurance, having an active policy for your festival means being prepared for any incidents that could result in lost money, making this purchase a worthwhile one.

Medical Costs

If someone gets injured at your festival, they may choose to file a lawsuit and expect you to cover their medical costs. Accidents happen, so being prepared for these situations can help you cover such expenses.

With crowds of people in attendance, it is impossible to predict and anticipate what could happen. Festival insurance can help you cover medical costs if attendees, performers, or employees get hurt.

Cancellation Expenses

Having your festival cancelled is a terrible, but real, possibility. Festival insurance can help cover expenses incurred by event cancellation, including:

  • Refunds
  • Staff and performer pay
  • Venue costs
  • Rescheduling efforts

Lost Revenue

All in all, having adequate coverage for your festival can prevent you from losing money after investing so much in an enjoyable event. With festival insurance from World Insurance, you can rest easy knowing that your event is covered.

Festival Insurance Policies to Consider

Choosing the right insurance policy for your festival will depend on the size, scope, duration, and nature of your event. Consider the following coverage options when seeking festival insurance.

A group of friends sit in the grass eating food at a festival.
Festival Insurance Ensures Your Event Goes Off Without a Hitch

General Liability

When hosting a festival, general liability coverage is likely the most important and common option. Typically offering broad coverage, general liability insurance tends to cover claims relating to:

  • Advertising injury
  • Bodily injury
  • Property damage
  • Medical costs
  • Venue damage

Bodily Injury

Specifically applied to non-employees, bodily injury insurance offers coverage for any injuries sustained by guests at your festival.

If someone gets hurt at your festival, you may be liable for costs associated with transportation to medical facilities and treatment costs. Bodily injury insurance will provide some support in covering those costs.

Personal and Advertising Injury

Advertising your festival is a big part of spreading the word and attracting attention. However, you have to be careful, as it is easy to use the wrong images or say the wrong things.

If you are accused of slander, libel, privacy invasion, or intellectual property infringement, you may be responsible for associated legal fees and settlement costs. Festival insurance can help you in these situations.

Public Liability

Public liability coverage offers protection in the event that someone files a claim stating that the event organizers are responsible for something that happened to a member of the public in attendance.

This type of policy is often beneficial when dealing with claims regarding someone’s:

  • Injury
  • Death
  • Property damage or destruction

Property Damage

If someone’s property is damaged, stolen, or destroyed during your festival, you may be liable to cover the costs of repairs or replacements. Having sufficient property damage coverage can provide financial support for these situations.

Automotive Liability

Festivals often feature special guests as well as vendors, and transporting these individuals and their belongings is a crucial part of festival planning.

If you use any vehicle to transport goods, equipment, or individuals to and from your festival venue, it is important that you obtain sufficient automotive liability coverage. Doing so will ensure your vehicle is protected from a variety of issues including those related to:

  • Bad weather
  • Theft
  • Collision
  • Property damage

Rental Equipment

Depending on the type of festival you are hosting, you may need to rent certain equipment to ensure everything goes smoothly. From sound and light equipment to generators and more, rental equipment can be a major liability.

With rental equipment insurance, equipment that is damaged or stolen can be repaired or replaced with financial help from your policy.

Event Cancellation

Cancellation insurance is invaluable should your festival get cancelled. Rather than dealing with all the hassle and costs yourself, you can get plenty of financial support through an event cancellation policy.

When getting coverage to protect against cancellation expenses, be sure to consider the range of situations that could result in festival cancellation, such as:

  • Inclement weather
  • Civil commotion
  • Earthquakes
  • Wildfires
  • Floods
  • Power outages
  • Presenter or performer non-appearance
  • National mourning
  • Disease outbreaks

Liquor Liability

If your festival features or welcomes liquor consumption, you should obtain a sufficient liquor liability policy. Doing so will help you cover any damages or costs related to the actions of intoxicated individuals.

A small group of people at a festival bring plastic cups of beer together in celebration.
Festival Insurance Can Protect Any Type of Festival to Guarantee Your Event is a Hit

Excess Liability

In the event that you reach the limits of other liability coverages, excess liability can offer additional protection. Should you face serious liability issues or even major lawsuits, excess liability policies can ensure you are covered.

Get Coverage for A Range of Festival Types

Festivals are an extensive event category ranging from music festivals to wine festivals. No matter what kind of festival you are organizing, World Insurance can supply you with the coverage you need to plan an exciting, enjoyable event.

Music Festivals

Music festivals routinely attract hundreds of thousands of attendees each year, so getting the right insurance provides peace of mind.

Because music festivals tend to be larger than other festivals and draw large crowds, organizers should make insurance a top priority.

Art Festivals and Craft Fairs

While art festivals and craft fairs may be smaller than other festivals, it is still important to expect the unexpected and get the right coverage.

You may not need as much coverage to account for things like inclement weather if your festival is being held indoors, but you would still benefit from a sufficient general liability policy to ensure safety and protection.

Cultural Celebrations

Cultural celebrations often combine elements of other festivals, bringing in food, music, and more. Because of the nature of these festivals, organizers should make sure they have enough coverage to keep performers, staff, vendors, and attendees covered.

Additionally, cancellation could be devastating for cultural festivals, especially if they are held annually or during specific times of the year. With cancellation insurance, you can make sure that all participants have the ability to invest in the next event, giving you the means to reschedule or plan ahead.

A crowd of people at a festival with their hands raised as clouds of colorful smoke billow over them. Some of the raised hands are colorful, as well.
With Festival Insurance, Your Exciting Event Will Be A Blast

Food Festivals

Food festivals often highlight the skills and expertise of various vendors. Getting the right insurance to account for any issues that could arise from having hot equipment near crowds of people would be wise.

Wine Festivals

Celebrating different wines at a festival is a great opportunity for socializing. Because alcohol is a prominent feature of these events, organizers should prioritize investing in a good liquor liability policy in addition to any other coverage options that will protect them.

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Frequently Asked Questions

How Much is Festival Insurance?

Festival insurance is a worthwhile investment to keep every aspect of your event protected. The exact cost of your policy will depend on a number of factors such as:

  • How long your festival will last
  • The kinds of equipment you need
  • How many people will be in attendance
  • Whether you have vendors or not
  • The location of your festival

What Type of Insurance Do You Need for a Music Festival?

When organizing a music festival, you should address the specific parameters of your event, such as expected attendance and available space, before committing to a policy. Most music festivals will benefit from the following policies:

  • General liability
  • Event cancellation
  • Public liability
  • Property damage

Discuss your options with a dedicated World Insurance agent to learn more about what types of coverage you need.

What Coverage Should You Get for a Music Festival with Overnight Camping?

If you are hosting a festival where attendees may spend the night, it is important to account for any injuries or damages that might occur during the event. You may want to consider:

  • General liability coverage
  • Bodily injury coverage
  • Property damage coverage
  • Liquor liability coverage
  • Excess liability coverage

What Type of Insurance Do You Need for a Beach Festival?

When holding a festival on a beach, you will likely need to acquire specific insurance to meet venue requirements. The festival insurance requirements may vary depending on if you are holding your event on a public or private beach.

Be sure to check the restrictions and requirements of the venue before choosing a policy.

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