SteelBridge has created a Special Event, Concert and Festival Insurance program for members of Music Associations.
This program was specifically designed to meet the unique needs of event and festival producers and contemplates various coverage needs while being affordable and easy to purchase.
If at any time you have a question please call us at (888) 647-4777 and a member of our team will be happy to help you. You can also email your questions to us at CSR@SteelBridgeIns.com.
This program is currently available for members of the International Bluegrass Music Association (IBMA) and Folk Alliance International. To find out more about membership in these organizations please click the logos to the right.
Note that events involving rap, hip-hop, heavy metal/screamo or electronic/techno music are ineligible.
Basic Coverage Limits
General Aggregate (other than products completed operations $5,000,000
Hired Auto & Employers Nonownership Liability $1,000,000
Each Occurrence $1,000,000
Damage to Premises Rented to You $1,000,000
Medical Expense $5,000
Basic Program Includes Coverage For:
Limits are Per Event
Blanket Additional Insureds
Host Liquor Liability (includes sales of alcohol if no permit is required)*
Hired & Non Owned Auto Liability
Volunteers as Insureds for General Liability
No Specific Exclusion for Collapse of Temporary Structures or Stages
Medical Expense Coverage extends to Volunteers**
No Exclusion for Injury to Performers or Entertainers
Warning: some or all of the above are often excluded on other event policies
Costs for Basic Coverage
0 - 350 (single day event) $146
0 - 500 $202
501 - 1,500 $363
1,501 - 3,000 $633
3,001 - 6,000 $1,174
6,001 - 12,000 $2,073
12,001 - 20,000 $3,445
Over 20,000 - call or email us for quote
Vacant Land Charge for Overnight Camping $285
Total Attendees = the average number of attendees per day times the number of event days
Premium provides coverage for up to 10 consecutive event days plus all set up and tear down days
Premiums are 100% earned and non-refundable upon payment and issuance of the Proof of Coverage and any requested Certificates of Insurance unless a request is made in writing at least 5 days prior to the event set up date
Program Add Ons & Other Coverages Available
Higher Limits of Liability
Umbrella / Excess Liability
Full Liquor Liability***
Medical Expense up to a $20,000 Limit
Leased & Rented Equipment Coverage
Coverage for vendors and exhibitors (additional application required for each)
Events of any size can be included however, events with over 20,000 in attendence require more information to be underwritten and may need to be written in a different program
Employment Related Practices Exclusion
Abuse, molestation, harassment or improper sexual conduct exclusion
Assault & Battery Exclusion (except the use of reasonable force to protect persons or property)
For a complete list of exclusions click here. Please refer to the policy for the full listing of exclusions as well as terms and conditions and all other coverage details.
* This coverage does not apply if you manufacture, sell or distribute alcoholic beverages however, there is an option for Full Liquor Liability if needed ***
** A "Volunteer" is defined as: a person who is not your employee and who donates his or her work and acts at your discretion and within the duties determined by you. Volunteers are not paid a fee, salary or other compensation.
*** Full Liquor Liability in not available in the states of IA, MI, AL or VT through the program but can be written on a separate policy if needed.
****Premium is non-refundable after coverage is purchased.