Since music festivals are complex businesses with many potential liabilities, it is important that the broker understands the scope and types of risks, appreciates what kind of insurance would cover those risks, and is familiar with the insurance marketplace and the policies available in the insurance market. (Credit: Melinda Nagy/Shutterstock)
As music festivals come to resemble modern urban events featuring food courts offering a dizzying variety of quick-serve meals, event producers are facing up to an ugly reality — foodborne illness. As a result, more and more festival producers now require food vendors to carry coverage for foodborne illness as part of their insurance policy.
Austin City Limits, which draws nearly 450,000 attendees every year, now requires food vendors to have not only commercial general liability insurance but also coverage for foodborne illness. I predict that this requirement will become standard throughout the industry within a very short time.
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