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A Primer on Insurance for Music Festivals
The modern-day music festival is a complex, entertainment extravaganza of elaborate stage productions and coordinated multi-day sets with numerous performers, at exotic locations across the globe. Music festivals are no longer solely about the music, but a wide variety of neighboring entertainment, such as art shows, athletic competitions, health and beauty demonstrations, virtual reality and stand-alone night clubs. From a risk management perspective, festivals now run the gamut on potential liabilities that include collapsed stages, cancelled performances, severe weather, terrorism, alcohol liability, patron bodily harm and death, product liability and breach of contract claims. In essence, music festivals have become a microcosm of live entertainment-related liability exposures.
To combat these potential liabilities, festival owners, promoters, coordinators and those even tangentially involved in the music festival business purchase a variety of insurance policies. These types of insurance policies often include, among others: cancellation insurance, terrorism, general liability, directors and officers, workers' compensation, spectator liability coverage, umbrella policies, commercial automobile and crime coverage.
The following should be considered when purchasing any of these policies and in pursuit of coverage.
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