Fairs, festivals, concerts and other events
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person.
Example: extensions cords were installed but the taped used to secure it to the carpet didn’t uphold and one of the guests fell and broke his arm. He sues you for loss of income.
Errors & Omissions insurance because no one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. The Insurer will pay legal expenses to defend you in case of a lawsuit, and the indemnity if the Court finds you responsible for the financial loss suffered by the plaintiff.
Example: the schedule for the event was printed on time for the festival but unfortunately, one key location was forgotten, causing financial damage to that venue which sues you for loss of revenue.
Property insurance to cover physical losses caused by fire, theft, vandalism and other to your property, and of others for which you are responsible.
Coverage in case of cancellation to obtain reimbursement of costs and expenses incurred by you, that you are unable to recover should your production be necessarily cancelled, abandoned, postponed, interrupted or relocated.