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Liability Insurance for Festivals and Events

Our commitment to the industry is demonstrated by decades of experience insuring festivals and special events throughout the country, providing the market stability your clients deserve. Our focused expertise and dedicated service make us the right partner for you.

At Impact Programs, your clients gain membership to Entertainment Services, Inc. (ESI), a national risk purchasing group created to enhance our products, services and pricing. To learn more about ESI, click here.

Eligible Operations

  • Festivals
  • Parades
  • Special Events

 Program Features

  • Annual Coverage
  • Broad Athletic Participant Liability
  • Excess Fireworks Liability
  • Excess Mechanically Operated Amusement Device Liability
  • Contractual Liability
  • Catastrophe Management
  • Non-Auditable Policy

Equally important are exposures we don’t exclude — like assault & battery, injury to performers, abuse & molestation, stage collapse, animals, e-coli and more.  

Underwriting Requirements

  • Completed applications
  • Minimum 3 years loss history
  • Current financial statement
  • Site diagram
  • Schedule of events/program/brochure
  • Standard vendor booth agreement
  • Standard athletic participant waiver (if applicable)

Program Limits

Commercial General Liability (CGL):

  • $1M Each Occurrence
  • $1M Personal & Advertising Injury
  • $5M General Aggregate
  • $5M Products/Completed Operations Aggregate
  • $500K Damage to Premises Rented to You
  • $250K Catastrophe Management
  • $1M Liquor Liability (optional)

Minimum CGL Premium: $2,500

Excess Liability:

  • Up to $10M through our Program Carrier
  • Higher Limits Available Upon Request

Applications

Please download and complete the application(s) and submit to ipsubmissions@impactprograms.com.

Available Exclusively through Impact Programs

All of our programs are available on a national basis and exclusively through Impact Programs and its affiliates. With these programs you can position your agency as a market specialist in our targeted industries, offering a powerful combination of industry leading coverage, responsive claims management and competitive pricing. To learn more about submitting a risk, please click here or call us at (913) 218-3910.