Fair & Festival Insurance

The best way to plan your special event is to prepare for every outcome. Implement a Sadler customizable fair and festival insurance package.

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General Liability Insurance

  • High-limits from $1M to $6M
  • Affordable rates
  • Non-Owned and Hired Auto Liability

Accident Insurance

  • Reimburse medical bills
  • Limits up to $100k
  • Deductible options



Why do you need fair and festival insurance?

Fairs and festivals are usually pretty extravagant events with intricate planning and various activities involved. Therefore, there are a lot of aspects of fairs and festivals that need to be accounted for when thinking about risk exposure.

There is food, music, art, concessions, rides, alcohol, and more at a fair, and every outdoor event carries its own risk. So, it would be best to have a comprehensive insurance package customized to the activities and exposures at your fair or festival.

The best way to plan your fair or festival is to prepare for every outcome. However, no matter how diligent you are, risks will still be present. If an incident does occur that causes injury, your organization could be held liable for the expenses related. Adding insurance to your risk management strategy could reduce losses.


What does fair and festival insurance cover?

Crowds enjoying themselves at an outdoor music festival

Special event insurance is imperative to help cover accidents that cause harm at your organization’s fairs

or festivals. It is essential because fairs and festivals carry an enormous amount of risks. If a mishap happens and you are found liable, having insurance will help cover losses from the expenses that may occur.

With Sadler Insurance, we offer customizable fair and festival insurance packages so you can receive optimal coverage for your special event. Having a customized policy is excellent for fairs and festivals so you can precisely cover the activities at your events and the risk that comes with them. When creating a festival and fair insurance policy, we recommend a solid General Liability and Accident Insurance policy.

Adding a robust General Liability policy to your risk mitigation strategy could help protect you against:

  • Financial loss from costs associated with a lawsuit, including settlement costs, adverse jury verdicts, and legal fees
  • The financial obligation for payment of liabilities
  • Compensatory damages for and pain and suffering

In addition, adding an Accident Insurance policy to your fair and festivals insurance package can help:

  • Provide extra coverage for accident costs on top of the General Liability coverage
  • Provide peace of mind that you do not have to pay out of pocket for medical bills


Is hosting fairs and festivals high-risk?

Fairs and festivals are significant events that involve various activities, so there are numerous risks. Each event in a fair has its own risk factors that make them an overall high-risk event. Each risk exposure from every activity within a fair needs to be considered to help plan against mishaps. These risks could include injury to attendees, property damage, event cancellation, non-appearance of performers, food-safety issues, adverse weather, and even terrorism. In addition, these risks could cause financial harm to your organization.

The risks could vary from low-injury outcomes to devastating outcomes. As event organizers, there needs to be a risk management strategy with a strong insurance policy to help cover negligence and liability.


What are ways to prevent injuries and mitigate risk in fairs and festivals?

Injured woman with bandaged arm signing document

With all the complexities of hosting fairs and festivals, there is no way to completely eliminate the risks your organization is exposed to. You may try your best to create the safest environment possible. Still, accidents and misfortunes happen that could be detrimental to your organization. With that being said, to help reduce your negligence, you need to create strong risk management and event safety procedures. The following are some risk management tactics that your organization can implement when hosting a fair or festival:

  • Routine checks on the rides to ensure they are in good condition for attendees to enjoy
  • Train employees to watch for warning signs in their respective positions
  • Ensure that the grounds are cleared from unknown dangerous obstacles
  • Hire security to protect, watch, and prevent risks inside the fair and at the gates
  • Check bags and use metal detectors for attendees upon arrival


Sadler risk management strategies

Sadler has relevant risk management strategy pages that outline more information about limiting your fair and festival risk exposure. For instance, bleacher risk management is essential for festival operators to consider when there is a concert or other entertainment show; attendees usually gather on bleachers. These bleachers can be risky to the attendees’ safety, so operators should pursue both self-inspection of bleachers and hire a licensed design professional to inspect.

In addition, if your fair or festival has a parade, it is essential to take proper precautions and inspect the floats before entry. This precaution will help lower risks and improve the safety of the driver, passengers, and spectators.


Recent fair and festival lawsuits

The lawsuits from the fairs and festivals articles above are not out of the norm. However, there are plenty of mishaps that happen all over the country at these events. So, be proactive and help protect your company from liability costs and negligence with diligent risk management and comprehensive insurance policies.


What are fairs and festivals?

Outdoor fair during the day

Fairs and festivals are events where various people gather together for entertainment and participate in activities. These events usually last for an afternoon or go on for several weeks. In addition, people attend these events for the purpose of recreational fun!

There are several types of activities that can be at fairs and festivals. However, for the most part, fairs and festivals consist of fair rides, like a carousel or a merry-go-round. In addition, there are usually some games, concerts, and concession stands.


Request a quote from Sadler Insurance today!

Fairs and festivals are wonderful and enjoyable events that people look forward to for months! However, because of the vast crowds and amount of activities on these occasions, there are many risks involved. So, take control and help your organization succeed by implementing a Sadler customizable fair and festival insurance package.

We have been working to help organizations like yours succeed in hosting fairs and festivals for decades! Reach out by submitting a quote today.