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Is Your Concert Venue Insured?

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August 8, 2022 by JMG Insurance Corp

people enjoying in concertAttending a concert can be fun and social, but planning can be stressful and unpredictable. A successful show requires planning, reserving venues, booking artists, organizing equipment, selling tickets, and keeping everyone safe.

These are the exact reasons why all event management companies purchase event insurance. As a result, event insurance is an excellent way for event companies to mitigate the impact of these risks.

Why Is Event Insurance Needed for a Concert?

Purchasing event insurance will help protect your company from the risks of organizing a concert. Event insurance covers a variety of risks that may affect the show, such as an accident during the performance.

Concerts are unexpected, and event insurance gives the hosting company a breath of fresh air, knowing that whatever goes wrong, they are covered. Insurance can help you avoid financial loss, reputational harm, and unwanted claims.

As a result, before your company executes the concert, you should consult with a specialized insurance provider who understands your event and can assist you in selecting the best event insurance policy for the occasion.

What Exactly Does Concert Venue Insurance Cover?

Concert insurance is a collection of services to protect concert promoters, entertainers, and venues from risk.

You can get a variety of coverage options with concert insurance, including:

  • General Liability: This covers liability issues and lawsuits arising from broad injuries or property damage sustained while on property grounds.
  • Auto Liability: It shields you if you or a staff member is injured or damages property in an automobile accident while on company time or in a company vehicle.
  • Third-Party Property Damage: This type of property damage covers damage to property that is not your own. In some cases, coverage may include damage to the venue itself.
  • Liquor Liability: This policy protects distributors who may sell liquor at a concert or other event. Host liquor liability insurance protects event hosts against incidents that may occur when they serve alcohol.

When Is the Best Time to Purchase Concert Venue Insurance?

people gathered in concertEvent insurance is a must-have for any company planning a concert or other event. When things go wrong, the insurance provides various benefits to the company. However, it is critical to understand that event insurance won’t cover cancellations due to a pandemic.

Every event has its risks, and coverage can help you manage them. It is critical to buy insurance early, at least two weeks before the concert. The earlier a company purchases event insurance, the better the coverage.

Insuring Concert Venues During & After the Pandemic – The Considerations

Inquire with your agent or broker about purchasing an endorsement to your event revocation insurance policy to cover event cancellation due to a pandemic. If your insurance company does not provide this approval, you should consider other options.

Be aware that if you did not purchase the additional approval before the pandemic and canceled an event, the insurer would not be able to backdate a policy to cover the cancellation. Insurance companies may also be reluctant to sell this type of endorsement.

Make sure you consider the following:

Type of Entertainment

Whether it’s DJs, rock bands, or a live orchestra, venue owners and operators should be aware of the entertainment they provide. Controversial performances may attract a more demanding audience. Similarly, acts can sometimes be reckless and cause damage or injury.

If your venue frequently hosts unpredictable acts, you must notify your insurers. Otherwise, even though the performers are the ones who are responsible for the original claim, you may face difficulties if brought to court.

COVID-19 Repercussions

event cancelled due to covid 19Almost no insurers include pandemics in their Business Interruption coverage. However, there is some variation when it comes to liability.

Although some insurance providers continue to provide coverage if a consumer claims they caught COVID-19 due to a venue’s negligence, others are discontinuing it entirely. That’s because, even if proving where a buyer caught COVID-19 is difficult, you’d still have to pay legal fees.

Risk of Terrorism

Terrorism remains a significant threat to any venue that holds large crowds. Although most technicians insure their property and any subsequent business disruption against potential attack damage, the public liability threat is frequently overlooked.

This is disconcerting, given that venues are responsible for many people’s safety. Of course, security measures, clear exit routes, and evacuation plans can all be in place, but fatalities can still occur. It is therefore critical to ensure that your venue’s Public Liability insurance includes terrorism, as not all insurers do.

Contact an Insurance Specialist

JMG Insurance Corp is dedicated to providing a safety net for businesses in this niche so they can plan the best experiences instead of worrying about liabilities.

As a JMG family member, you would be delegated an assigned customer service representative who will be your primary contact — we will always be available when you need us. Call us at 1-844-304-7332 or request a quote online for more information on our special event insurance options.

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JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

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JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848
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John M. Glover Insurance Agency
John M. Glover Insurance Agency
4.8
Tammy Weiner
Tammy Weiner
14:53 09 Aug 23
Amazing personalize service. They were able to consolidate all of my insurance needs and save me a lot of money, while also upgrading my coverage and making sure all of my needs were met even in potential unforeseen circumstances. Would highly recommend, and I have not been so pleased with an insurance agency in many many years.
Dani
Dani
14:24 06 Aug 23
I have held multiple insurance policies through the John Glover agency, for as long as I can remember. The company is wonderful! All of the staff members are kind, personable, compassionate, and speedily efficient! I highly recommend them!
Chris R.
Chris R.
11:34 25 May 23
I have been a client (auto, home, and umbrella) for several years. The entire team at the agency is excellent. Francesca is always prompt in getting back to me, and the claims group is great. I also purchased a life insurance policy through them as well.
William Schrade
William Schrade
18:25 26 May 23
I'm so pleased with the service at JMG Agency. They shopped and saved me money on my policy even when I didn't request it. I needed insurance in another state where they are not licensed to sell but they went the extra mile and found an agency to rewrite my policy saving me almost 50%. I have complete trust in my agent Francesca and her assistant Crystal. I highly recommend this agency.Bill Schrade
Melanie Craig
Melanie Craig
11:13 08 Aug 23
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