What Is Concert Insurance?

If you’re promoting or organizing a concert, you could potentially be liable if things go wrong. That’s why event organizers and promoters need to buy music event insurance. Also called concern liability insurance, this event-specific policy helps to protect you from accidents that could happen during the concert. While specific coverage can vary depending on your policy, most insurance for concerts includes several types of coverage:

Third party bodily injury liability coverage protects you if anyone who isn’t an employee is injured during the event, such as if an attendee trips on a power cord and breaks a wrist.
Third-party property damage coverage helps to pay for repair costs if the venue or its equipment are accidentally damaged because of the concert.
Liquor liability coverage helps to protect you if a concert attendee has too much to drink and hurts themselves or someone else.
Defense and investigation of claims coverage helps to cover the costs of investigating and legally defending you against any claims that are made against you.
Auto liability coverage is sometimes included if you’re providing transportation services like shuttles, to and from the concert, and an accident occurs.

Concert event insurance can help to pay for any damages that you are liable for. This coverage is temporary and is designed for events lasting anywhere from one to 14 days.

Who Needs Insurance for Concerts?

Anyone organizing or promoting a concert is potentially liable for accidents and damage that occur because of the event. A single incident where an attendee falls and breaks a bone can lead to tens of thousands of dollars in medical bills, and lawsuits can be even more expensive, but concert insurance can give you the peace of mind of knowing that you’re protected in case anything goes wrong.

Many venues will carry their own venue insurance, but that insurance doesn’t extend to protect the event organizer or promoter. When you’re renting a venue, chances are that the venue will require you to provide proof of a minimum amount of event insurance before allowing you to hold the event. Often, you will need at least a $1 million policy, though you may need a higher limit for a larger concert or venue.

How Much Does Concert Liability Insurance Cost?

Many factors will affect your concert liability insurance costs. Your premium will depend on the size of your event, the location, the number of attendees that you’re expecting, and whether you also need liquor liability coverage. The insurance provider will also ask about any extra risk factors that will be present at the concert, like whether the show includes fire effects or other potentially dangerous elements.

Since premiums can vary so much depending on these features of your event, a quote will give you the most accurate idea of what you’ll pay for concert insurance. You can get a free, personalized concert insurance quote today to start comparing premiums and exploring your insurance options.

Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.