Use cases
We see festival organisers utilise their insurance cover in various ways. For instance:
- Weather-related cancellations – extreme weather can result in cancellations. Insurance covers the event if it needs to provide refunds or has other non-recoverable costs.
- Equipment damage – music festivals require expensive audio systems and lighting rigs that are easily damaged. Insurance can cover repair and replacement costs.
- Legal claims – if an attendee at a local fair is accidentally injured on one of the rides, public liability cover protects the festival organiser.
What types of insurance are there?
We usually divide festival policies into several categories, enabling organisers to build a bespoke policy that reflects your needs
- Premises insurance – covers damages to the venue or property hosting the festival.
- Equipment insurance – covers the equipment used at the festival if damaged or stolen.
- Employers’ liability – covers claims made by employees, volunteers or contractors against the festival.
- Vehicle insurance – covers the festival fleet and allows for repair or replacement if they are stolen or damaged.
- Public liability – covers claims made by attendees and other third parties for accidents or injuries that occur on the festival site.
- Event cancellation – covers financial losses should the festival be cancelled due to extreme weather, performer non-appearance or other specified disruptions.
Get covered with Park Insurance
At Park Insurance, we benefit from years of experience working closely with event organisers to find the perfect festival insurance cover. We help you to build a bespoke policy that includes everything you need and nothing you don’t, reducing costs and ensuring you mitigate against all financial risks.