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Festival Insurance for Vendors: Cost, Liability & Quotes from $11

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Crowds get super excited when there's a big festival in time. Similarly, as the host, you are likely looking forward to wowing the crowd at the festival. But what happens when things go wrong? 

 

For instance, what if the festival gets canceled because of bad weather or one of your employees gets hurt, or the fans at the event get rowdy and damage your property. If any of these were to happen, you want to ensure that you are protected with comprehensive festival insurance. 

 

Festival event insurance is a specialty policy explicitly designed for the festival and its vendors and other service teams. Think of insurance for fairs and festivals as immediate protection when something goes wrong that will help you avoid paying out of pocket for any claims filed. 

 

Also read: Wedding Insurance: Liability, Cost & Quotes From $15

Festival Liability Insurance  

A festival liability insurance policy primarily sold as general liability coverage is designed to protect the policyholder against:

  • Third-party personal injuries - Accidents will happen in your festival and this will result in an attendee getting injured.  If the person holds you responsible and demands payment, general liability insurance will take care of medical expenses 

  • Third-party property damage - Not only injuries but property damage might be inflicted to third parties if accidents happen during your festival.  This is why general liability insurance also reimburses the value of the damaged property of affected parties

  • Legal defense - General liability insurance for festivals also covers administrative costs, attorney fees, settlements, and other legal expenses on your behalf 

 

Note that you can add optional policies to general liability insurance. What you can include varies from carrier to carrier. Nonetheless, common ones most policyholders add are:

  • Liquor liability insurance - Liquor liability insurance covers expenses if you’re selling alcohol and served drinks to minors or had guests very drunk resulting in injuries or property damage

  • Rented premises liability coverage - Rented premises liability coverage will cover expenses if your festival damaged the venue or facility.  In practice, this takes care of reimbursements if the property owner files a claim 


Festival Public Liability Insurance  

Festival public liability insurance functions the same way as general liability insurance. However, its scope is more limited. This is because you can’t add optional coverages to it.  Consider getting public liability insurance if you think that the protection general liability insurance provides is too much for your festival. 

 

Festival Cancellation Insurance  

Consider a situation where you have invested in a festival, and due to unforeseen circumstances, the event is canceled. Without festival cancellation insurance, you could end up losing your investment. This is where cancellation insurance kicks in. This will recoup non-refundable expenses on props, sound systems, and other materials or equipment. 

 

Also, attendees will ask for refunds once your festival is canceled. And some insurers might offer festival ticket insurance coverage as part of their festival cancellation policy. This insurance for festival tickets will make the necessary refunds protecting you from having to pay out of pocket. 

 

Workers’ Compensation Insurance for Festivals 

Workers' compensation insurance isn’t included in tailored insurance for festivals. But still, you should invest in this, especially if you’re planning to hire photographers, videographers, event planners, bartenders, DJs, electricians or electrical engineers, and other professionals as temporary employees.  Workers' compensation insurance is useful because it will help pay for:

  • Medical expenses -  If an accident happens during your event and an employee sustains an injury that needs medical attention, workers' compensation insurance will provide the money to pay for doctor fees and other costs

  • Hospitalization - After treatment, your festival’s employee might need to stay in the hospital to continue healing. In this situation, workers' compensation insurance ensures you and your employee’s peace of mind by covering the costs of hospital bills

  • Medication - Your employee will need meds to prevent a work-related injury from worsening.  This is also covered by workers' compensation insurance. Particularly, the policy will provide the money your employee can use to buy needed medicines 

  • Rehabilitation - Workers' compensation insurance will help if an employee needs rehabilitative care to fully recover from a work-related injury. It will pay for therapist fees, rehabilitation equipment, and other associated costs 

  • Lost income compensation - Workers' compensation insurance will take care of your employee who can’t work due to a work-related injury. Help is provided by giving the employee a weekly allowance equal to two-thirds or 67% of the average weekly wage. Say for example, if your employee receives $588 per week, he or she will receive a $393.96 weekly allowance from workers' compensation insurance

  • Death benefits - Sometimes, accidents that happen during the preparation and commencement of a festival might not only result in employee injuries but death also. This is why workers' compensation insurance covers death benefits. The policy takes care of funeral expenses and gives cash aid to the deceased’s dependents


Are Festival Volunteers Covered by Workers Compensation Insurance?

Volunteers aren’t considered part-time or full-time employees. And so, they can’t be covered by workers' compensation insurance. 

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Festival Vendor Insurance  

Put simply, festival vendor insurance is a policy meant to provide coverage to festival vendors for claims and lawsuits that result in your business's participation in the event. This could include claims made by aggrieved parties against your business on foodborne diseases, property damage, or bodily injury. 

 

In the event that the court rules in favor of the complainant, this insurance should sufficiently address the costs of your defense and compensation subject to your policy's limits. 

 

Similarly, suppose one of your employees accidentally spills water on expensive equipment or breaks something, and the event manager files a claim against your business;  Once your claim is approved, your festival vendor insurance provider steps in to help you pay for the damaged equipment and could be instrumental in helping you fight the claim in court.  


Food Vendor Insurance for Festivals  

As mentioned, an aggrieved party might file a claim against your business on foodborne diseases or other food-related mishaps. When you have food vendor insurance for festivals, the insurer pays for the complainant's medical and legal costs resulting from said food-related claim. 

 

Music Festival Insurance  

Music festivals are pretty popular, especially during the summer months. Revelers will be looking forward to spending their day listening to their favorite tunes live. While music festivals are a big opportunity and quite fun, there's no shortage of risks. These large-scale events could end up with property damage or bodily injuries, especially if alcohol is involved. This necessitates getting music festival event insurance. The latter is a policy curated to protect you against claims associated with the musical event. 

 

Music festival insurance contains several coverage options, including general liability that covers a broad range of potential exposures including property damage, injury, medical costs, and damage to premises that you've rented out. Note that the general liability coverage for music festivals works slightly differently from the general liability coverage issued for different industries. Specifically, the general liability might come with some exclusion, including protection against assault and battery. 

 

Suppose there will be alcohol at the music festival. In that case, your music festival insurance will include liquor liability to safeguard you and the business from potential risks. 

 

Now, suppose you are using your own equipment at the music festival. In that case, your insurance provider could include equipment breakdown coverage as part of your policy. 


Finally, suppose you use any motor vehicle to dispense your services. In that case, you want your music festival insurance to include commercial auto insurance.

 

Music Festival Equipment Breakdown Insurance

Equipment breakdown insurance is a coverage for festival equipment that you own - speakers, lighting, stages, tents, etc. In a nutshell, when festival equipment becomes lost or damaged due to theft, fire, vandalism, and other covered perils, equipment breakdown insurance will recoup your investment or provide immediate replacements. 


But what if you only rent festival equipment? Is there insurance you can use? Yes, there is - rental equipment insurance. If rented festival equipment becomes lost or damaged due to theft, fire, vandalism, or other covered perils, rental equipment insurance will reimburse the losses of the owner. 


Commercial Auto Insurance for Music Festivals 

Commercial auto insurance is useful if you're using a vehicle to transport equipment, materials, goods, and personnel for your music festival. Here are its functions:

  • Auto liability coverage - Auto liability coverage will cover losses if your music festival’s vehicle causes an accident where third parties sustained injuries or had their property damaged. For personal injuries, auto liability coverage will cover medical expenses. For property damage, this will reimburse the losses of the owners. In addition, auto liability coverage covers legal expenses such as administrative costs, compensatory payments, and attorney fees. 

  • MedPay/personal injury protection - MedPay and personal injury protection cover the driver and passengers of your music festival’s vehicle. If an accident happens, MedPay will take care of the driver and the passenger’s medical and funeral expenses. Personal injury protection provides the same protection also but additionally includes coverage for lost income compensation, rehabilitative care, after-hospital visits, and more 

  • Goods/equipment in transit insurance -  You’ll never know what might happen to equipment or goods that you're hauling for the music festival. That’s why it’s smart to get goods/equipment in transit insurance. This endorsement to commercial auto insurance will cover losses if goods and equipment become lost or damaged due to fire, theft, vandalism, and other covered perils during the trip 

 

Art Festival Insurance  

Attending and participating in an art festival as a vendor is not only a fun experience but can also be quite profitable. You get to see potential clients view your work and admire your skills. Unfortunately, festival venues aren't always risk-free. There is a chance that a customer could claim that they got injured while at your premises. 


That's where art fair insurance comes in. It covers you against any mishaps that might occur during the art festival. 


Carnival Ride Insurance  

Carnival rides hold significant risk from riders falling off to equipment malfunctioning. To protect yourself, consider getting carnival ride insurance to enjoy stress-free festival days.  Carnival ride insurance has the following inclusions:

  • General liability insurance

  • Equipment breakdown insurance

  • Event cancellation coverage

  • Workers compensation insurance

 

General Liability Insurance for Carnival Rides 

General liability insurance will cover expenses if a third-party sustained property damage or personal injuries because of a carnival ride accident and files a claim. This is very important because at least 29,000 injuries have been associated with carnival rides.


Equipment Breakdown Insurance

Carnival rides will eventually suffer defects. These are dangerous to guests if continued to be used. Immediate repair must be done. This is where equipment breakdown insurance comes in. If a carnival ride of yours becomes damaged, equipment breakdown insurance will cover its parts repair or replacement


Event Cancellation Coverage

There will be instances where a festival or any other special event such as a town party, or sports event that hired your carnival ride is canceled.  Event cancellation coverage will help to recoup losses in this situation. Particularly, this will recover what you spent on the loading and transportation of your carnival rides. 

 

Diwali Insurance  

Diwali is celebrated for over five days, during which a lot could go wrong. As you partake in this celebration, you want to rest assured that in the event that a mishap occurs, you do not run the risk of mounting financial obligations, possible legal ramifications, and the likelihood of business closure. Diwali insurance offers just that by ensuring comprehensive coverage during the five days of Diwali. 

 

Festival Insurance Cost  

Festival insurance costs $150 for one day coverage. But note that your actual rate will be lower or much higher depending on how long the festival will last, its size, the cost input, location, number of attendees, and the risks involved. 



Cost for One Day CoverageBest for
RVNA$50Festival general liability insurance with terrorism coverage
CoverWallet$133Festival insurance quotes comparison online
Thimble$200Basic general liability insurance for festivals
Markel$75Cancellation insurance that provides coverage for festival cancellation, delay, or postponement due to extreme weather
Event Helper$231Festival insurance that meets the requirements of venues and facilities
ACT$49Craft festival insurance

 

Always compare quotes to find the best coverage for your festival. Check the offers and pricing of different insurance companies. Start doing so by clicking the "Get Quotes" button on this page. 


Music Festival Insurance Cost  

On average, music festival insurance costs $160.13 for one-day coverage depending on the insurance provider you go for. 

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Best Festival Insurance Companies

If you are shopping for the best festival insurance companies in the market, here's a comprehensive list of providers with the best offers. Read to know their pros, cons, and pricing.

CoverWallet Festival Insurance


Pros

  • Compare festival insurance quotes online

  • Buy a coverage immediately

  • Online payment of insurance premiums

  • Cancel a policy anytime

Cons

  • Doesn’t sell tailored insurance for festivals but only helps you find other companies selling the coverage


CoverWallet doesn’t have a tailored festival insurance. However, you might get coverage through its special event insurance that provides three primary coverages - general liability insurance, liquor liability insurance, and cancellation insurance.

Also, note that CoverWallet has an online quotes comparison platform you can use to find companies providing tailored coverage for festivals. All you have to do is provide basic information and the quotes of numerous carriers, showing pricing and features, will be sent within minutes.


Best for: Festival insurance quotes comparison online

Average cost: $133 for one-day coverage for festivals

Our rating: 10/10

Thimble Festival Insurance


Pros

  • You can purchase vendor insurance on an hourly basis

  • Zero deductibles

  • Policy limits of between $1 and $2 million

Cons

  • Customer support is only available online


Thimble started as a drone insurance provider in 2016. They've expanded their offerings in the past few years to include festival insurance. Their festival policy will set you back $200 on average for a one-day event. This insurance policy from Thimble is easy to buy and good for small vendors just starting out in the events landscape.

Best for: Basic general liability insurance for festivals

Average cost: $200 for one-day coverage for festivals

Our rating: 8/10

Event Helper Festival Insurance


Pros

  • Flexible cover with several additional add-ons

  • Excellent claims handling

  • Cheap insurance cost

Cons

  • Discounts are only available if you bundle together two or more policies

Event Planner is available in all 50 states. Their festival insurance includes general liability, workers' compensation, and commercial auto insurance. To ensure that your festival insurance is tailored to meet the requirements of festival venues and facilities , Event Helper's liability insurance comes with host liquor liability coverage, waver of subrogation, and products and completed operations coverage. You can also get certificates of insurance and add additional insureds at no additional cost.

Best for: Festival insurance that meets the requirements of venues and facilities

Average cost: $231 for one-day coverage for festivals

Our rating: 8/10

ACT Festival Insurance


Pros

  • Instant coverage is possible

  • 24/7 access to policy documents

Cons

  • Exclusively for artisans and doesn't cover other types of vendors

Artists, Crafters, & Tradesmen (ACT) insurance was specifically established to provide these vendors with art festival liability insurance. As a festival vendor, you have two coverage options. The first is Show Policy which covers your business from liability for one or two shows per year. The other is the Annual Policy, which is more comprehensive. This policy is a great option for vendors that expect to attend shows throughout the year. You can also add professional liability for $125 and Business Personal Property coverage for $54 per year.

Best for: Craft festival insurance

Average cost: $49 for one day coverage for festivals

Our rating: 9/10

RVNA Festival Insurance


Pros

  • Online quotes take just a few seconds

  • Affordable plans starting at just $50

  • You can cancel your policy just 48 hours before the event

Cons

  • Claims can only be made via the phone

  • $2,500 deductibles on property damage claims

  • Online insurance quotation isn’t intuitive


RVNA (R.V. Nuccio and Associates) has more than 25 years of experience in the insurance field. When it comes to the provision of festival insurance, RVNA is a rare find as it provides equally great coverage for both small and large festivals. What sets RVNA apart is that its standard policy includes terrorism coverage. What's more, with the insurer, you are able to cancel your liability policy and still receive a full refund.

Best for: Festival general liability insurance with terrorism coverage

Average cost: $50 for one day coverage for festivals

Our rating: 8/10

Markel Festival Insurance


Pros

  • Cancellation coverage available both for the US and international festivals

  • A $25 deductible for cancellation policy claims

Cons

  • Liability coverage is not available for international events

  • Property damage claims attract a $1,000 deductible

Set up in 1930, Markel is an American insurance, reinsurance, and investment company. This company doesn’t have a tailored insurance for festivals. However, it doesn’t also state that it can't provide coverage. To know if you can get your festival covered, contact a Markel representative. If coverage is granted, know that liability limit starts at $500,000. If you bundle your festival liability policy with the festival cancelation policy, you get a 15% discount. The cancellation policy is available in all 50 states.

Best for: Event cancellation insurance that provides coverage for cancellation, delay, or postponement due to extreme weather

Average cost: $75 for one day coverage for festivals

Our rating: 9/10

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