Concert Insurance

ESP Specialty’s concert insurance program provides a hassle-free experience for customers seeking comprehensive coverage. Whether you are organizing a rock concert, music festival or any other live music performance, ESP ensures that you are covered with essential protection against liabilities and unforeseen factors that could adversely affect your show. Our experienced team understands the distinct needs of music event organizers and can customize insurance plans to meet specific contractual requirements established by concert venues and stakeholders, offering peace of mind throughout your event’s planning and execution.

Go Ahead, We Have You Covered!

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Concert Liability Insurance Coverages

Concert event liability insurance is essential for organizers as it provides protection against potential legal and financial liabilities stemming from accidents, injuries, or property damage that may occur during the event. This insurance not only safeguards the organizer but also helps in meeting venue insurance requirements, which often mandate a certain level of coverage to host concerts or music festivals on their premises. By having event liability insurance, organizers can ensure compliance with venue regulations and have peace of mind knowing that they are financially protected against unexpected incidents that could impact the success of their event.

General Liability protects against claims related to third-party bodily injury and property damage. Our standard General Liability coverage includes a blanket additional insured endorsement, enabling you to designate the manager, lessor, or owner of your event venue, as well as the city or local municipality, as additional insured parties at no additional cost to fulfill contractual obligations.

Standard Program Limits:

General Liability Aggregate $2,000,000
GL Products/Completed Operations $1,000,000
GL Personal/Advertising Injury $1,000,000
Each Occurrence $1,000,000
o Damages to Premises Rented to You $100,000
Medical Expense Limit: $5,000
Blanket Additional Insured: Included (as required by written contract)

The standard general liability policy includes host liquor coverage at no added charge, which applies to third-party bodily injury or property damage claims associated with alcohol consumption, provided you are not engaged in selling or serving alcohol for profit at your birthday party. Typical scenarios include events with BYOB (bring your own bottle) or open bar events where attendees do not buy drink tickets or gain access to the bar through ticket purchases for the event.

An endorsement to the general liability policy that waives the birthday party insurance carrier’s right to seek compensation for losses from a negligent third party after paying out a claim. May be included for an additional premium when required by written contract in favor of the manager, lessor, or owner of your event venue as well as the city or local municipality.

An endorsement to the general liability policy that designates the coverage as primary and non-contributory over other insurance policies held by the policy holder in favor of additional insured entity. May be added for additional premium when required by written contract in favor of the manager, lessor, or owner of your event venue as well as the city or local municipality.

If you or your business profits from selling or serving alcohol at the covered event, it is essential to have full retail liquor liability coverage included in your policy. This additional coverage is available for an extra premium on top of the base general liability policy.

Liability coverage that sits on top of the primary general liability occurrence and aggregate limits to fulfill higher limit requirements mandated in contracts. Excess / umbrella liability limits up to $10 million available for additional premium, subject to underwriter approval offline.

  • Hired & Non-Owned Auto Liability
  • Inland Marine
  • Workers Compensation

Concert Cancellation Insurance

Cancellation insurance protects budgeted revenue or expenses from an event against cancellation, postponement, curtailment, relocation or abandonment due to reasons beyond the control of the insured party. Having concert cancellation insurance helps organizers mitigate financial risks associated with event planning and ensures they can recover costs if circumstances force them to cancel or reschedule the event.

  • Adverse weather conditions (hurricanes, tornados, severe winter storms, etc.)
  • Venue unavailability (due to fires, floods, power outages, etc.),
  • Threats or acts of terrorism
  • Earthquakes, wildfires, labor strikes,
  • Non-appearance of a key person
  • And many more, subject to the terms, conditions and exclusions of the policy
  • Concerts / Music festivals
  • Live music events
  • Operas
  • Musical theater

More coverage you may be interested in

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About ESP Specialty

ESP Specialty Insurance Brokerage operates nationwide as an
insurance broker and program administrator, exclusively developing
and managing insurance product lines for A+ rated carriers for over 10 years.