Music Festival Insurance

Get a Quote

In the age of digital music, music fans across the country have continued supporting music festivals. These events offer the unique opportunity for fans to witness collaborations between some of their favorite artists in an awe-inspiring environment. 

Despite all of the good music festivals bring to the musical community, there are countless risks that owners of these events need to consider. Music festivals require an unparalleled coordination effort due to the vast amount of performers and fans in attendance. The sheer number of people require these events to not only get approval from local governments but also have paramedics, law enforcement, and other government employees to be on sight to make sure the event doesn't get out of hand. Some risk factors include non-appearance of performers, drug use, riots, power outages, weather conditions, and even deaths of participants or fans. 

The astronomical risks associated with music festivals makes it imperative to have a bullet proof insurance policy. ESP can protect you from General Liability, Severe Adverse Weather, Venue Unavailability and much more. We have customizable policies that make the combination details endless based on the specific needs of your event. If you are seeking a more value-oriented option, we offer a more standardized option through our member only SHEL Risk Purchasing Association. Our goal at ESP is to offer the most extensive insurance policy and exceptional customer service - all for the lowest price. 


Sample Perils 

  • Severe Adverse Weather (hurricanes, tornadoes, and severe winter storms)
  • Venue Unavailability (from perils such as fire, structural collapse, gas leaks, and flooding)
  • Earthquakes
  • Wildfires
  • Power Blackouts 
  • Communicable Disease (H1N1, Avian Flue, ect.)
  • Non-Appearance of a key Speaker or Entertainer 
  • Major Riots and Civil Commotion 
  • National Mourning (i.e. death of the U.S. President)

Target Insureds  

  • Trade Shows
  • Conferences 
  • Fairs 
  • Major Sporting Events 
  • Concerts

Available Limits

Based on the projected gross revenues or expenses of the event

Up to $85 million in-house capacity

Geographic Scope

Available Worldwide

Summary of Coverage

ESP's policy protect clients beyond control of the event organizer such as cancellation, relocation, or complete abandonment. Since the policy is "all-cause", the coverage protects clients from events such as severe weather, threats or acts of terrorism, communicable disease outbreaks, non-appearance of a key person or presenter, and much more. In addition, a mandatory reduction in attendance would also be covered. 

Minimum Premium

Minimum premiums are subject to risk purchasing group program restrictions only.


Get a Quote

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.