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Summer Festival Insurance: A Guide by Prime Insurance Company

Summer festivals and street festivals are a time of joy, bringing communities together to celebrate with food, music, and entertainment. However, the unique attractions at these events come with their own set of risks and liabilities. In this comprehensive guide, we’ll explore a variety of summer festival attractions,  5 common risks associated with summer festivals, and the must-have insurance coverages to ensure these special events are protected.

Common Attractions at Summer Festivals and Street Festivals

Summer festivals are a celebration of culture, entertainment, and community spirit, featuring an eclectic mix of attractions that cater to all tastes and ages. As we explore these events, we’ll take a closer look at six popular attractions: live performances, amusement rides, food vendors, art exhibits, children’s activities, and vendor booths. Each attraction brings its own unique charm and excitement, but also comes with distinct risks that require careful planning and management to ensure a safe and unforgettable experience for all attendees.

  1. Live Performances: Music, dance, and theater performances are popular attractions at summer festivals, requiring unique insurance coverage for performers and equipment. Some risks include stage accidents, equipment malfunctions, and performer injuries.
  2. Amusement Rides: From Ferris wheels to roller coasters, amusement rides can attract large crowds but also pose significant risks and liabilities, such as mechanical failures, accidents, and injuries to attendees.
  3. Food Vendors: Food trucks and stands offer a variety of cuisine options for attendees but require specific insurance coverage for potential foodborne illness claims. Risks include food spoilage, contamination, and allergic reactions.
  4. Art Exhibits: Art displays and interactive exhibits can enhance the festival experience but may require coverage for potential damage or theft. Risks include vandalism, accidental damage, and intellectual property disputes.
  5. Children’s Activities: Kid-friendly activities, such as face painting and inflatable play areas, need specialized coverage to address the unique risks associated with children’s attractions. Risks include injuries, equipment malfunctions, and supervision-related incidents.
  6. Vendor Booths: Retail vendors selling merchandise at festivals require coverage for property damage, theft, or liability claims related to their products. Some risks include product malfunction, counterfeiting, and customer disputes.

5 Common Risks of Summer Festivals

Summer festivals and street festivals are a source of joy and entertainment, but they also come with their fair share of risks that event organizers must consider. Here, we will discuss 5 common risks associated with summer festivals and street festivals: property damage, bodily injury, foodborne illness, alcohol-related incidents, and weather-related risks. By understanding these potential hazards, organizers can take the necessary precautions and implement effective risk management strategies to ensure a safe and enjoyable experience for all attendees.

  1. Property Damage: With large crowds and various attractions, property damage can occur, whether it’s to the venue itself or the equipment used by vendors and performers.
    • Risk Management Tip 1: Ensure proper setup and maintenance of equipment and structures to minimize the risk of damage.
    • Risk Management Tip 2: Implement crowd control measures and security personnel to prevent vandalism or accidental damage.
  2. Bodily Injury: Accidents can happen at any event, and summer festivals are no exception. Attendees, performers, and staff may be at risk of injuries from slips, falls, or other incidents.
    • Risk Management Tip 1: Regularly inspect the event area for potential hazards and address them promptly.
    • Risk Management Tip 2: Provide clear signage and communication about potential hazards to attendees, staff, and performers.
  3. Foodborne Illness: Food vendors are a staple at festivals, but improper food handling or preparation can lead to foodborne illnesses, posing a risk to attendees and potential liability for organizers.
    • Risk Management Tip 1: Require food vendors to have proper food handling certifications and follow strict hygiene protocols.
    • Risk Management Tip 2: Regularly inspect food vendors for compliance with food safety regulations and guidelines.
  4. Alcohol-Related Incidents: The sale and consumption of alcohol at festivals can lead to intoxication, increasing the risk of accidents, injuries, and altercations among attendees.
    • Risk Management Tip 1: Implement responsible alcohol service policies, such as limiting drink sales per person and training staff to recognize signs of intoxication.
    • Risk Management Tip 2: Provide designated areas for alcohol consumption and ensure proper security measures are in place to manage potential issues.
  5. Weather-Related Risks: Outdoor summer festivals are susceptible to weather-related risks, such as severe storms, high winds, and extreme temperatures, which can cause damage to the event or pose safety hazards.
    • Risk Management Tip 1: Monitor weather forecasts closely and have an emergency plan in place for severe weather conditions.
    • Risk Management Tip 2: Provide shaded areas, cooling stations, and hydration options for attendees to minimize heat-related risks.

5 Must-Have Insurance Coverages for Summer Festivals and Street Festivals

Navigating the world of insurance for summer festivals and street festivals can be challenging, but securing the right coverages is essential for protecting your event and its participants. In this guide, we’ll explore 5 must-have insurance coverages for summer festivals: general liability, property insurance, liquor liability, event cancellation, and umbrella insurance. By obtaining these crucial coverages, event organizers can safeguard their festivals against potential financial loss, legal disputes, and unforeseen circumstances, ensuring a successful and enjoyable experience for all involved.

  1. General Liability Insurance: This coverage can protect against claims of bodily injury and property damage arising from the festival.
  2. Property Insurance: This coverage can protect the festival’s physical assets, such as equipment, structures, and inventory, from damage or loss.
  3. Liquor Liability Insurance: If the festival serves alcohol, liquor liability insurance can protect the host or organizer from claims related to alcohol-related incidents.
  4. Event Cancellation Insurance: This coverage can help recoup financial losses if the festival is canceled or postponed due to unforeseen circumstances, such as severe weather or a public health crisis.
  5. Tru Umbrella Insurance: Prime Insurance Company’s Tru Umbrella insurance policy can fill gaps in your client’s existing coverage and provide additional protection for unique risks and liabilities specific to their event.


Understanding the risks and attractions associated with summer festivals and street festivals is crucial to obtaining the right insurance coverage for your client’s event. By considering the must-have coverages mentioned above, your clients can protect their festival from potential financial loss and legal disputes. Contact Prime Insurance Company today to learn more about our tailored insurance solutions for summer festivals and street festivals.

To get a quote for summer festival insurance or street festival insurance, head over to our special event insurance page and click the “get a quote!” button to start your request!

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