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Music Festival
Insurance

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Rock your event with Music Festival Insurance!

Cover your music festival with a tailored entertainment insurance policy from Coverage Cowboy. Our music festival insurance policies can be customized to provide coverage for a variety of risks and liabilities associated with your event.

From protecting your performers, vendors and venue from property damage, theft and liability claims to providing event cancellation coverage in the event of an unforeseen event – Coverage Cowboy can help you find the right coverage for your music festival.
  • General Liability
  • Workers' Compensation
  • Commercial Property
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Check out more professions covered by Coverage Cowboy

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Music Festival businesses and save up to 10% when you bundle!

general-liability

General Liability

Bought by 95% of business owners like you

General liability insurance is a must-have for music festivals. It covers the costs of any legal claims that arise from injury to the public or damage to their property. It also pays for any medical expenses resulting from the festival, ensuring that everyone attending is safe and secure.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Commercial Auto

Commercial auto insurance provides financial protection for Music Festivals if an accident occurs involving a Festival-owned vehicle. It covers medical costs, property damage, and any legal fees incurred in the event of an accident. It also protects against loss due to theft or damage to the vehicle.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

Workers’ compensation insurance is key for any music festival to protect both employees and volunteers. It covers medical expenses, lost wages, and death benefits in the event of an injury or illness related to the workplace. It also helps to protect the festival from legal action if an employee is injured on the job.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance for a music festival is essential to protect the event’s equipment and physical assets. This type of insurance covers losses due to fire, theft, vandalism, and other disasters. It also covers loss of income if the festival has to be cancelled due to a covered event. Music festivals should also consider additional coverage, such as liability insurance, to protect their financial interests and the safety of their guests.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Frequently Asked Questions about Music Festival business insurance

How does business insurance protect my Music Festival?
Business insurance is essential to protect your music festival from potential financial losses. Here are some practical examples of how business insurance can protect your music festival:
General liability coverage
If someone is injured at your music festival, general liability coverage can help pay for their medical expenses and legal fees if they sue you. For example, if a festival-goer trips and falls over a speaker cord and breaks their arm, your general liability coverage can help cover their medical expenses and legal fees if they sue you.
Property insurance
If your festival equipment, such as sound equipment or stages, is damaged or stolen, property insurance can help cover the replacement costs. For example, if a thunderstorm damages your sound equipment, your property insurance can help pay for repairs or replacement.
Cancellation insurance
If your music festival needs to be canceled due to unforeseen circumstances, such as extreme weather, cancellation insurance can help cover the financial losses. For example, if a hurricane causes your music festival to be canceled, your cancellation insurance can help cover the costs of refunds and lost revenue.
Liquor liability coverage
If you serve alcohol at your music festival and someone becomes intoxicated and causes injury or property damage, liquor liability coverage can help protect you from financial losses. For example, if a festival-goer becomes overly intoxicated and damages someone else’s property, your liquor liability coverage can help pay for the damages.
Business insurance is not only essential for protecting your music festival but also for giving you peace of mind so you can focus on putting on a great event.
What do I need to get an insurance quote?

Getting a music festival insurance quote is hassle-free! To begin, compile the following information about your event:

  1. Festival name and contact information
  2. Location, dates, and duration of your music festival
  3. Estimated number of attendees
  4. Number of stages and performers
  5. List of key assets (e.g., stages, equipment, lighting, sound systems)
  6. Additional services or attractions (e.g., food vendors, merchandise booths, VIP areas)

Once you have this information handy, you’re ready to request a tailored insurance quote for your music festival. Our team is here to help you find the best coverage at the right price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.

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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

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Need help? Call our award-winning support team at (551) 455-0769
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage is dependent on actual facts and circumstances giving rise to a claim. Coverage Cowboy, LLC and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. 

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