Concert Liability Insurance
NEW EXPANDED CLASSIFICATIONS INCLUDING RAP & HIP HOP!
AFIG Entertainment is an innovator of entertainment and special event liability insurance. AFIG is a leading provider of Concert Liability Insurance. We offer comprehensive insurance programs for our entertainment clients developed from the experience garnered by decades of work in this field. Our programs have provided outstanding protection for thousands of entertainers, promoters and venues spanning the spectrum of R&B to Rock To Rap and Hip Hop. Events insured by AFIG Entertainment have featured a diverse group of national performers ranging from Aretha Franklin and Three Dog Night to Kid Rock, Yung Joc and Lil Wayne.
As a national broker we have access to every major entertainment insurance company in the United States. As a national general agent we regularly quote, bind and issue your policy on the same day! Our comprehensive insurance portfolio gives you the ability to combine broad property, liability, commercial auto, and umbrella coverage.
Special Events Program Highlights
General Liability Limits
$1,000,000 – Per Occurrence
$1,000,000 – Products / Completed Operations
$1,000,000 – Personal Injury & Advertising Liability
$1,000,000 – Host Liquor Liability
$3,000,000 – Aggregate (total limit for the duration of the event)
$100,000 – Property damage to leased premises
Additional Liability Coverage
- Facility named as Additional Insured at No Cost
- Contractual liability provided
- Multiple Additional Insureds
- Premise Damage Coverage does not have:
Care, Custody or Control Exclusion
- Commercial Liquor Liability
- Automatic Additional Protected person status for Lessors & Volunteer Workers
- Set Up & Take Down
- Terrorism Coverage
- Limits available to $11,000,000
Optional Liability Coverage
Liquor Legal Liability
- Participant Legal Liability Coverage
- Third Party Property Damage
- Participant & Spectator Medical Benefit Coverage
- Event Cancellation
- Rain & Weather Insurance
- Rented Equipment, Props, Sets & Wardrobe
- Flood & Earthquake
- Boiler & Machinery
- Errors & Omissions
- Umbrella Policy
What Is Concert Liability Insurance?
There are many risks anytime people gather in large crowds, especially when you consider the electricity and equipment needed for production, lights, sound, and food service. Each one of these factors increase the risk of accidents and injuries at both outdoor and indoor concerts.
Additional concerns include:
- Event Cancellation/Non Appearance due to weather or performer’s illness.
- Damage to equipment,stages, scaffolding, and instruments.
- Injury to drivers, technicians, etc.
Concert insurance can protect you and give you peace of mind knowing you, your production staff, the concert workers and the fans will be covered if an accident or unforeseen problem occurs. You can typically either buy insurance for a single concert or as a yearly policy for a series of events. We provide both single event policies and annual event polices.
Things You Should Know:
Concert Liability Protection
Concert Liability Insurance is made up of a many different types of coverage that are packaged together to create risk protection for concert performers, promoters and venues.
Liability coverage protects you if a third party is injured during the event, or as a result of the event activities, or if third-party property is damaged and it is deemed to be your responsibility. The policy will pay claims and the insurance company’s legal counsel will help defend you against liability lawsuits.
Four types of Concert Liability coverage you may need include:
- General liability: Protects you from liability claims and lawsuits if you are at fault for property damage or injuries.
- Liquor liability:
- Host liquor liability covers issues that may result when an event host provides alcohol on a non-commercial basis.
- Commercial liquor liability insures vendors who sell liquor at an event.
- Auto liability: This policy will cover you if you or one of your staff causes injury or property damage in an auto accident in company vehicles or on company time.
- Third party property damage: Provides coverage if property other than your own is damaged. It can also extend to cover physical damage to the venue.