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  • Writer's pictureAmanda Bird

A Helpful Guide to Getting Insurance for Your Music Event

Updated: Nov 24, 2021

Live events carry a wide variety of safety hazards and risks that can cause extreme stress for any event organiser. In particular, music festivals are open to unfortunate accidents and property loss.

Getting event insurance to cover claims is extremely important in protecting your company or organisation. In this article, we will discuss basic things you need to know about insurance for your music festival.

Types of Insurance for Events


As with any kind of event, music festivals require a variety of equipment to assist the staff in fulfilling their duties. Since these pieces of equipment are often very expensive, equipment insurance coverage can help you with costs ensuing from damage, theft, or loss.

Cancellation or Non-appearance

A lot of factors, such as venue damage, bad weather, and the non-appearance of artists, can possibly result in the cancellation of your event. In this case, this type of insurance can help you cover costs for refunds, personnel fees, and other expenses.


Facing and paying for any legal action is what you want to avoid the most. When a situation occurs that leads to this scenario, having liability insurance will prove beneficial for your enterprise.


Other types of event insurance can include coverage for loss of cash, travel, vehicles, and even terrorism.

Public Liability Insurance

This type of insurance covers your company in case of claims from attendees in the event of an accident during the festival. Potential accidents include an injury to an individual, damage to the venue, and more.

Public liability insurance is different from business insurance because it does not deal with a traditional place of business, such as an office. Typically, an enterprise avails this type of insurance for when they need to hold parties or conferences for their stakeholders and clients. Getting public liability insurance will be beneficial if you want your event to remain safe and successful.

The Importance of Public Liability Insurance for Music Festivals

This type of insurance protects your organisation and demonstrates to your partners and event-goers that you give importance to safety above all else. Public liability insurance is not always legally required, but many venue managements ask for one before approving an event.

The Best Time to Get Public Liability Insurance

The best time to be prepared is as soon as possible. After all, you might need this insurance to secure that venue that you have been eyeing for some time.

Various insurance brokers offer a wide range of packages that can cater to your particular event needs. In addition, you can choose whether to have a few specific events covered or avail a package with coverage for the entire year.


Holding a huge event like a music festival is no easy task. This is why you need to gear yourself up for possibilities and prepare for anything that can come your way. An event insurance policy protects your company and employees and assures guests that they’re attending an event organised by a trustworthy company.

To obtain the best possible benefits from music festival insurance, you need an experienced and reliable insurance provider to assist you. Do not hesitate to consult with them about any aspects of your event, as this can help them provide the best protection for you.

If you are looking for an events insurance specialist, contact New Wave Insurance. We help clients on the Gold Coast find the right insurance for their assets, business, and vehicles. Book a free 15-minute consultation with us today!

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