SPECIAL EVENT LIABILITY INSURANCE
Festivals are events enjoyed by people of all walks of life. From music festivals, to art festivals, to street fests, people typically attend and enjoy festivals that relate to one of their hobbies or areas of interests.
Festivals include a lot of moving parts for the event organizer: vendors, food, alcohol, performers, and ticketing are among the few. Festival insurance is a much needed risk reducing requirement for anyone organizing and putting on a festival no matter the size.
Event insurance for festivals is important to obtain for many reasons. Festival insurance protects should an accident occur to someone or to the property where the festival is being held. If an event attendee gets hurt or sick and names you in a lawsuit, the benefits of event insurance will pay off. For example, if an event attendee slips and falls while at the event or trips over an extension cord, festival insurance will kick in to defend the festival or organizer, should they be held liable.
Festival insurance also protects the festival should an accident occur on the property where the festival is being held. For example if one of the attendees breaks one of the tables provided by the venue – event insurance for festivals will kick in to defend and/or pay for the damage.
Event insurance premiums start at $175 and vary depending on the event type and size of the event.
All vendors are required to purchase a separate events insurance policy for their booth at the show, this will individually protect them should an injury or damage occur at their booth during the event or should both parties be named in a lawsuit.
The festival venue may require event insurance proof of coverage prior to completing the booking for the event.
Event Insurance Coverage Highlights
- General Liability: Bodily injury and property damage coverage
- Limits start at $1,000,000 occurrence / $3,000,000 aggregate
- Optional Increase to $2,000,000 occurrence / $4,000,000 aggregate
- Damage to Rented Premises Coverage:
- Host Liquor Liability Included in all policies
- Additional Insured coverage available for venues, sponsors, etc.
- Premiums start at $175 and vary based on event type and size
The CPH Way
What Makes Us Different
Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.