Festival & Event Insurance

Music Festivals | Multi-artform Festivals | Film Festivals | Live Events

Aguila’s festival insurance is designed for most live events and multi-day productions. We understand that the show must go on – insurance isn’t just about processing claims; it’s about offering creative solutions and quick responses to challenges, ensuring your event runs smoothly on the day.

What insurance do festivals need?

Running a festival or live event comes with unique risks, and now, with digital platforms, those risks can span the globe. From volunteer injuries and damaged hired-in equipment to losing access to a venue or foodborne illnesses from caterers, we’ve got you.

At Aguila, we’re passionate about the performing arts and creative industries, and we understand the pressures you face. We’ve got you covered with all the protection you need for your organisation, along with sound and balanced advice: Whether you’re running a music, arts, or film festival, our festival insurance adapts to your needs.

Property insurance: worldwide protection for office contents, computers, musical instruments, hired-in equipment, marquees, tents, audio & visual gear, stock, brochures, and more.
Consequential loss insurance: protects your income streams from disruptions such as fire, flood, telecommunications failure, or venue access issues.
Employers’ liability or workers' compensation: cover for staff, volunteers, and freelancers.
Public and general liability insurance: protection for audience members, food and beverage vendors, and merchandise sales.
Trustee liability: protects board members against claims of mismanagement or breaches of duty.
Legal expenses: coverage for legal costs related to employment disputes, health & safety, tax issues, and contract disputes.
Errors & omissions: safeguards against claims of negligence, mismanagement, or breach of duty.

We can also help with:

Directors' & Officers' Liability: protecting decision-makers from claims of mismanagement.
Travel & touring insurance: covers trip cancellations, medical expenses, lost baggage etc...
Cancellation insurance: tailored coverage to protect your financial interests in the event of cancellations, postponements, or rescheduling.

Why work with Aguila?

When timing is critical and challenges arise, you need an insurance partner who is responsive, knowledgeable, and able to think outside the box. Here’s what makes Aguila stand out:

We’re specialists - we speak your language: we understand the unique risks you face
The right cover where you need it: we ensure you’re covered for the right risks, preventing coverage gaps and costly overlaps between different policies
Expert advice: our experienced team will help you make the right insurance decisions and help you manage your risk
Relationship-based service: a named point of contact standing by you through thick and thin
“Can do” attitude

Some problems are worth losing sleep over. We believe insurance isn’t one of them.

FAQS

What kind of claims do festivals make?

Here are some examples of claims we’ve handled in the past:

A headline artist fell ill, and insurance covered the costs of securing a replacement artist.
A rights dispute arose when a photograph was used without the proper consent.
A booking contract was mistakenly shared, leading to a breach of confidentiality claim.
A hired Steinway piano was damaged during a live performance.

What does Aguila's festival insurance include?

Our festival insurance provides comprehensive protection for live events of all sizes, including music festivals, multi-artform events, film festivals, and touring productions. Cover can include public liability, employers’ liability (including volunteers and freelancers), property and hired-in equipment, cancellation and postponement, errors & omissions, legal expenses, and trustee or directors’ liability. We also offer consequential loss insurance to protect your income in case of unexpected disruption. All policies are tailored to your festival’s specific risks, budget, and operational setup.

How does cancellation insurance work?

Our cancellation insurance is highly customizable. You can choose the sum insured, as well as the period of coverage (e.g., for a single event or for a full year). The premium is a percentage of the sum insured, typically ranging from 1% to 3.5%, depending on factors like artist age, cancellation history, and event specifics (indoor vs outdoor).

Which locations can Aguila cover?

We have offices in London, Brussels and New York, and we look after festival and event organisers in cultural hubs including Paris, Berlin, Chicago, Los Angeles, and across the EU, UK and USA.

Get in Touch with Us

Have questions or need assistance? Fill out the form below, and one of our expert team members will get back to you promptly to discuss your insurance needs.

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