Street festivals, art fairs and outdoor concerts, while fun for attendees, present liabilities to organizers and challenges to insurance agents and their carriers.
It is important for agents to know the nuances of spectator liability--particularly what's not covered in the general liability policy--so they can provide their clients with the proper policies. Events range from low exposures (like craft shows) to high exposures (such as block parties).
The main insurance exposure at special events is injury to spectators. Festivals, racing events, concerts and art fairs, where large numbers of people are milling around, have many trip/slip and fall accident-producing conditions, such as uneven ground, loose cables and discarded food.
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