Festival Insurance


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Eligible Operations
- Arts & craft festivals - City celebrations
- Ethnic festivals - Exhibitions/expositions
- Music festivals - Holiday celebrations
- Themed festivals (e.g. rib fest, tulip festival, etc.)    
Ineligible for this program:
- Festivals involving extreme sports and extreme motorsports activities

Coverages Available & Program Highlights

General Liability   Directors and Officers including Employment Practices Liability
- Written on an admitted basis in most states    
- Non-auditable policy   Property
- Broadened coverage Form   -    Equipment Breakdown included
No deductible -    Emergency Vacating Expenses Covered up
Legal Liability to Participants      to $15,000, Crisis Response Coverage - $25,000,
- Volunteer Accident- Accident Medical coverage for      Full Building Ordinance "A" Coverage
- Volunteers as Additional Insureds   Inland Marine
- Contingent Ride Liability    
- Fireworks Liability   Crime
- Liquor Liability    
- Vendor/Exhibitor Coverage   Commercial Auto
- Employee Benefits Liability   -    Nonowned/Hired Auto
  -    Owned Auto
  Excess Liability
      Workers' Compensation
Event Cancellation & Non-appearance
Common Associated Exposures
- Arts & crafts displays - Food & beverage concessions
- Horticultural/home economics exhibits - Parades
 Key Underwriting/Qualifying Factors(Including but not limited to)
- Management must have at least three years festival/event - Minimum premiums
  management experience   general liability- $2,500

Preliminary Underwriting Information Required

- K&K Applications - ACORD applications for other requested coverages
- Five years of detailed, currently valued company loss runs - Diagram/site plan of location/setup
- Web site address - Schedule of events
- Copies of contracts where insured assumes liability of others