Festival Insurance Cover

We can offer several protections and covers under our Festivals Insurance policy. 

Make sure you are appropriately covered with our four key covers; Public Liability, Employers Liability, Event Equipment Insurance and Event Cancellation Insurance.

Each of these can cover various problems which could occur if you are either organising or attending a Festival, ensuring you are fully protected.

Our policies are flexible and you can include additional cover on top of your standard festival insurance policy where needed.

 

 

"Great company to deal with. Our Event has used them for over 20 years! Never any issues and always very willing to talk through anything in detail. Highly recommend."

Jura Music Festival

"Painless and very efficient exercise, no problems of any kind."

Ware Real Ale Festival​

 

 

 

What Does Festival Insurance Cover?

Our festival insurance policies are incredibly flexible, but the main areas of cover are as follows:

 

Public Liability Insurance for Festivals

This is our most requested cover. It is a cover often taken out to satisfy the needs of your venue or local authority.

What we cover

Under our Public liability, we cover accidental bodily injury which occurs to a member of the public, or accidental damage to third party property, as long as it is proven to be as a result of your negligence in connection with how you have organised and managed your festival. 

The policy will respond to pay damages, claimants costs and expenses as well as offering defence costs. 

Public liability can be in place when you are setting up and have taken occupation of your venue, as well as when your event is open to visitors.

Things we don’t cover

• Property damage claims which are under £250, as this is the excess of the policy.

• Damage or injuries which arise out of a deliberate act, vandalism or is malicious in nature

• Loss or damage to property which you own, have hired or which you are borrowing or holding in trust. This doesn’t include your hired venue, it relates to items such as marquees, plant equipment or staging.

• Damage to the ground or underground services.

• The liability arising from any 3^rd parties you have contracted for the event such as performers, staging, lighting, sound or security companies. 

 

Employers Liability Insurance for Festivals

An often overlooked level of cover. Employers Liability is potentially relevant if you have any volunteers, helpers of employees who are working at your event and fall outside of the organising committee.

What we cover

Under our Employers Liability, we provide cover for your legal liability to pay damages, claimants costs and expenses which arise as a result of an injury to anyone you employ at your event including temporary staff, volunteers or helpers. It doesn’t matter whether they are paid or unpaid however, they must be under your control and supervision at the time they sustain an injury.

Things we don’t cover

• Any liability in respect of, or arising from a road traffic accidents.

• The employees of any professional contractor or sub-contractor whose services you are employing; the company you are hiring should have their own cover in place. For example, professional security services, caterers or first aiders.

 

Festival Equipment Insurance

Event Equipment relates to items and belongings which you are bringing to or hiring for the event which do not come as part of the fixtures of fittings of the venue.

What we cover

Our cover provides accidental damage, loss or theft cover for the event equipment you are legally responsible for (i.e. hired, leased or owned) throughout the duration of the event. 

Things we don’t cover

• Losses where the repair or replacement of the equipment is under £250 because this is the excess of the policy.

• Theft where there is no forcible or violent entry or exit from any site; or where items have been left unattended and unsecured.

• Damage arising from the faulty erection, use or dismantlement of temporary structures; for example, Marquees, stages or lighting rigs.

• Unexplained losses, discrepancies or stock taking shortages.

 

Festival Cancellation Insurance

Organising an event can prove to be costly and it is becoming increasingly common for people to look to try to recover their costs if the event they are organising or attending was forced to cancel.

What we cover

Our standard policy provides cover for your irrecoverable costs incurred as a result of the unavoidable cancellation, abandonment or postponement of your event for reasons beyond your control.

We also offer extensions to include certain circumstances which are normally not covered. Such as:

• Cancellation because of adverse weather conditions,

• Cancellation because of a performer or person not attending the event,

• Coverage for lost revenue following the cancellation of your event,

• Cancellation caused by terrorism or the threat of terrorism,

These options can be requested and we can look to offer a policy which includes all of or a combination of these eventualities.

Circumstances which you are not covered for

• The failure of a supplier where your booking arrangements are not confirmed in writing.

• Any situation which you are aware of, before you take out the insurance, which could be expected to or is likely to cause your event to cancel. This can include medical conditions, the current condition of the venue or the known financial troubles of a supplier.

• We cannot offer any weather related protection if you are looking to take out a policy within fourteen days of the date your event setup starts.

 

If you are ever unsure about the coverage of the policy you can give us a call to discuss if your event or activity is something we can insure.

Our Policy wording also details all our exclusions and what we mean by certain terms. It is important that you read this before you opt to take out insurance with us to ensure that you are adequately covered for your event and that our insurance policy meets your needs.

 

Our Frequently Asked Questions

 

How Much Does Festival Insurance Cost?

The price of your festival insurance policy will depend on the level of cover you need. Policies start from as little as £66 for public liability insurance of festivals with up to 100 visitors. See our cover/premiums page for more information and to compare prices or contact us and we can find the right policy for you and ensure you save money if anything does go wrong.

 

Do I need Festival Insurance?

It is advisable for all festival organisers to take out an insurance policy which will protect them against any public liability, but you also have to ask yourself, what would happen if the festival was cancelled? What if expensive, brand new equipment was damaged? Would you need to be covered if something unexpected happened? People travel from far and wide to attend a festival, so you don't want to let them down. In terms of our recommendations, festivals with more than one employee should have employers liability insurance.. 

 

What Types of Festivals Need Insurance?

Whether you're organising Glastonbury or just a small, local summer festival, all types of festival should take out a comprehensive insurance policy in order to be protected against any unexpected claims. From outdoor music festival insurance to food festival insurance, art festival insurance to science festival insurance, we have a policy to suit every scenario. We provide specific policies for one-off festivals and for multiple events throughout the year. We also provide individual policies to stallholders at your festival, should they need it. 

Get in touch with us today, get a quote online or discover our tips on how to make your festival thrive here.