Top Reasons to Get Insurance for your Festival or Cultural Event

August 15, 2025

Planning a festival or cultural event? Whether it’s a music fest, or a cultural celebration, there’s a lot to coordinate—talent, vendors, food, and of course, your guests. But have you considered what could go wrong? Don’t worry, we’ve got you covered. Here are the top reasons why getting insurance for your festival or cultural event is the best decision you can make (besides hiring the best caterer, of course).

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Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; or OBI National Insurance Company, a Pennsylvania insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.