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Planning and running a festival can be an intense process, regardless of its size. It’s inevitable that problems will crop up, so it’s important to get proper festival insurance to make sure you’re protected from any financial risks.

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If you still have questions, read on to find out the key things to look at when taking out festival insurance.

Do I need festival insurance?

It can be very important to get suitable festival insurance. Regardless of the size of your festival, there is a high risk that one of your employees or a member of the public could get hurt. If you have proper insurance, you can avoid worrying about these incidents and enjoy planning your event.

What is festival insurance?

Festival insurance can cover many different aspects of running a festival. A common feature is public liability insurance. This helps cover the costs if a member of the public gets hurt at your festival, which could be costly.

Do festivals need employers’ liability insurance?

If you hire anyone to work at the festival it is worth considering employers’ liability insurance. This is similar to public liability insurance but it helps cover the cost of an employee getting hurt at your festival. This can include employees and volunteers.

What extra insurance can I get for a festival?

Most insurance companies offer additional insurance. This can include equipment or property insurance, which helps cover the cost of damage to any equipment or venues. You could also get cancellation insurance in case your event has to be cancelled or postponed. There is also adverse weather insurance, which may be relevant for outdoor festivals as it helps cover you if bad weather affects your festival.

How expensive is festival insurance?

Since festivals are so varied, it’s not possible to estimate how much festival insurance will be. Generally, the price will be based on the size and location of your festival, along with how many guests there may be. Any other potential risks will also be considered.

What are hazardous activities in festival insurance?

Different insurers may classify hazardous activities differently.  Generally, hazardous activities can include any events on or in water, and high-speed pursuits such as rollercoasters.

How soon should I get event insurance?

It is generally advised that you take out festival insurance as soon as you start planning your festival. You can activate a policy immediately so that you are covered for anything that happens to your employees as they work on planning and preparing for your festival.