Festival Insurance
4.8/5 on
- Instant Certificate of Insurance
- Unlimited Additional Insureds
- Covers Large, Multi-Day Events
- Optional Liquor Liability Coverage
- Buy Online in Minutes
Our event insurance is made to cover festival organizers and their events. Find additional policies tailored to what you do, and get a free quote online today!
What Is Festival Insurance?
Festival liability insurance is a policy designed to protect festivals and the people organizing them from accidents caused by the event. This short-term coverage can help with third-party incidents like:
- Injuries to attendees (slips, trips, crowd-related incidents)
- Property damage to a venue
- Alcohol-related incidents (when applicable)
- Guest claims that arise during multi-day operations
What Types of Festivals Are Covered?
This coverage is designed for organizers running events with up to 5,000 attendees, such as:
- Music festivals
- Food and drink festivals
- Art fairs and craft festivals
- Cultural and community festivals
- Holiday markets and street fairs
From local gatherings to large-scale productions, we offer one-day and multi-day festival insurance options built to scale with your event.
What Kind of Insurance Does a Festival Organizer Need?
Festival organizers typically need general liability insurance to help cover injuries and property damage that may occur during the event.
Depending on the type of festival and the venue you are using, you may also need optional coverages like liquor liability, a primary and non-contributory endorsement, or a waiver of subrogation.
Festival Insurance Coverage Limits
General & Professional Liability
The maximum amount of coverage you can receive during your policy period for bodily injury and property damage claims caused by your event.
$2,000,000
Products–Completed Ops Aggregate
The maximum amount of coverage you can receive during your policy period for bodily injury or property damage caused by products used at your event, even after it’s over.
$2,000,000
Each Occurence
The maximum the insurance carrier will pay per claim for bodily injury or property damage.
$1,000,000
Personal & Advertising Injury
The amount your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Damage to Premises Rented to You
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Medical Payments
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be a result of a bodily injury caused by your event.
$ 5,000
Host Liquor
Included if alcohol is served or offered complimentary/free of charge (not sold to guests).
Included
Retail Liability
Required if alcohol is sold or charged, including (but not limited to) cash, by tickets, per glass, and through donations at the bar.
Available
Unlimited Additional Insureds
Coverage for a third party, such as a business, property owner, or event venue, who could be named in a claim arising from your event. It cannot be used for employees, friends, family, vendors, planners, yourself, or other businesses you may own.
Increased Limits
Raised limits available for General Liability, Medical Payments, and Damage to Premises Rented to You coverage.
Hired & Non-Owned Auto (HNOA)
Coverage for vehicles your business rents, leases, or borrows, or when employees use their own cars for work purposes.
Golf Cart Exclusion Removal
Removes the exclusion for golf cart coverage within your policy. This coverage may only apply when drivers accompany carts; guests are not permitted to drive.
Primary & Non-Contributory
Added endorsement that requires your insurance to respond first to a claim, without asking the other party’s insurance to share costs.e.
Waiver of Subrogation
Added endorsement that prevents your insurance carrier from going after a third party to recover money paid out on a claim.
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Get Proof of Festival Insurance Fast
Need to show a Certificate of Insurance (COI)? No problem!
- Get a custom quote in minutes
- Add additional insureds in just a few clicks
- Securely complete your purchase online
- Access your COI instantly
Insurance Canopy makes it easy to get the coverage you need, when you need it.
FAQs About Festival Event Insurance
Why Do Festivals Need Insurance?
Festivals need event insurance to protect from injuries, property damage, and unexpected issues that can happen when you’re managing crowds, vendors, and multiple days of activity.
Having insurance also helps festival organizers meet venue requirements, like showing proof of coverage and adding a venue as an additional insured.
Do I Need Insurance for a One-Day Festival?
Yes, you often need insurance for a one-day festival. Single-day events can still carry risk, especially with crowds, vendors, and temporary setups.
Does This Cover Vendors at My Event?
No, this policy does not cover vendors at your event. Festival insurance is made for organizers, who are the event hosts putting on the festival. Vendors should carry their own liability insurance and name the festival (and its organizers) as additional insureds on their policies.
Is This the Same as Event Planner Insurance?
No, this is not the same as event planner insurance. Event planners are outside professionals hired to help plan events, and they require professional liability coverage. Festival insurance is only made to cover the festival and the person or group putting on the festival.
If you are a planner hired to help plan and organize a festival, you will require separate coverage to insure your professional planning services.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.