Festivals are exciting. They're also one of the highest-risk event types to insure.
Thousands of people. Multiple vendors. Alcohol. Outdoor weather exposure. Temporary stages and equipment.
All it takes is one incident — one trip hazard, one lightning storm, one vendor fire — and you're suddenly facing a six-figure loss.
That's why festival insurance isn't optional. It's essential.
Why Festivals Carry More Risk
Compared to private events, festivals add: large crowds, open access, food vendors, alcohol service, stages/electrical equipment, weather exposure, and multiple contractors.
More people + more moving parts = more liability.
Core Coverages You MUST Have
General Liability (non-negotiable) — Covers attendee injuries, slips/falls, property damage, and lawsuits. Typical required limits: $1M–$2M minimum, $5M+ for large festivals. Most municipalities require this for permits.
Event Cancellation Insurance — Outdoor events are weather magnets. Covers storms, high winds, venue damage, government shutdowns, and vendor no-shows.
Liquor Liability — If alcohol is served — even beer tents — you need this. Covers alcohol-related injuries, fights, and DUI-related claims. This is one of the most common festival claims.
Vendor Coverage — Every vendor should carry their own insurance. But you should still carry blanket vendor coverage and additional insured protection. Never rely only on vendors' policies.
Equipment Coverage — Stages, sound systems, generators, lighting rigs = expensive. Protect rented gear, owned gear, from theft and weather damage.
Recommended Limits by Size
Under 500 attendance: $1M. 500–2,000: $2–3M. 2,000+: $5M+ umbrella.
Festival Insurance Checklist
COIs from all vendors. Security staff. Weather contingency plan. Liquor coverage. Additional insured endorsements. Cancellation coverage.
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