What does Festival Insurance cover?
Thimble’s Festival Insurance covers small, low-risk gatherings such as art, craft, and music festivals. You can plan a successful fest by planning quality entertainment—and by protecting yourself with the right insurance coverage.
You want a professional legal team on your side when facing a suit. Your Festival Insurance arranges the defense and investigation of claims even when such claims are groundless, false or fraudulent.
Event insurance can provide protection for a variety of claims including:
Third-party, non-employee bodily injury
A vendor may be moving a box when an unsuspecting guest who is looking the other way trips on it and falls. If a guest gets hurt while at the festival you planned, you could be liable for their medical expenses as well as consequential damages.
Third-party property damage
People bring a lot of valuable items to festivals, including clothing, jewelry, and small personal electronic devices. If a guest’s personal property is damaged or destroyed, you could be held liable. Third-party property damage can also help pay for any damage done to the venue while your event is happening.
Damages from liquor liability
Who doesn’t enjoy a cold drink on a hot festival day? But if you allow alcohol consumption at the event, you may be liable for any injuries or damages incurred because you provided it. Thimble’s Festival Insurance includes liquor liability coverage for BYOB events. If your festival is selling alcohol, you’ll likely need to purchase additional liquor liability coverage, which will raise your premium.
Personal and advertising injury
Let’s say that someone reads the advertising for your festival and accuses you of intellectual property infringement. You could be liable for the offense.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Business Equipment Protection
Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)
Workers’ Compensation
Workers’ compensation covers the costs related to your employees’ workplace injuries and illnesses, and it’s required in just about every state. Your team is your most valuable asset, so it’s crucial that you protect your business and team.
Festival Insurance FAQs
What if I only need Insurance for a few hours?
Thimble’s special event insurance is designed for short-term needs. Our policies will cover your event for one to five days. That includes set-up and breakdown time. Cancel your policy anytime before the policy goes into effect to get a refund.
Do I need Festival Insurance if my event is held on my property?
Liability exists even if you aren’t at a big venue, and you’ll want to have protection for your event. Check with your homeowners insurance provider to see if your policy needs to be amended to cover this eventor if you should get specialized event insurance to make sure you are protected for your big day.
What are Thimble’s Festival event coverage policy limits?
Our liability limits start at $1 million per occurrence with a $1 million aggregate. You can increase the liability limits to $2 million per occurrence with a $2 million aggregate if you choose.
Does Festival Insurance via Thimble cover event cancellation?
No. Our policies do not cover event cancellation. However, your event insurance policy is fully refundable as long as it is canceled before the policy start date/time.
Quick-thinking insurance for fast-moving businesses.
Simple.
Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Scalable.
Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
Flexible.
Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.
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