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Why Do I Need Concert Insurance?

When it comes to planning a concert, don’t forget to book insurance! Great bands and performers make the event memorable, but concert insurance gives peace-of-mind to the concert promoter. From securing the venue to protecting the financial well-being of the promoter, concert insurance is the first step toward ensuring a successful show.


The following information is offered as a snapshot of the coverages provided through the American Specialty Express concert insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.

What Exactly Does Concert Liability Insurance Provide?

Concert liability insurance has two primary purposes. First, it ensures the venue of choice can be secured. Most concert venues require a certificate of insurance in order to reserve the venue. With Concert Insurance through American Specialty Express, certificates of insurance can be instantly downloaded after the purchase is complete. If “Additional Insured” status is needed, it can be added for no additional premium.

In addition to meeting the venue’s requirements, concert insurance provides protection when injuries or damages occur at the event. Whether it’s country, rock, classical, pop or folk, accidents can happen anytime people gather together. It’s best to plan for flawless festivities but be protected with concert insurance in case something goes wrong.

What are some examples of when Concert Insurance would be used?

In addition to securing the venue, here are some potential scenarios where concert insurance comes into play:

  1. The concert happened just as imagined: great performance, perfect weather, and a big happy crowd. Unfortunately, when the last piece of equipment is cleared at the end of the night, a huge gouge is discovered in the stage. There is no way to tell which piece of equipment or performer caused it. The venue has the stage repaired and sends a bill for $8,000.
  2. The weather was supposed to be perfect for the entire concert, but an unexpected gust of wind blows over a tent at the entrance and injures a concert goer standing nearby. The injured guest promptly calls a personal injury attorney who demands reimbursement for the client’s medical bills, pain and suffering and lost income totaling over $50,000.

These are just a few examples that will leave everyone singing the same song: Concert Insurance rocks!

How to Obtain More Information?

If talking to someone first would help answer additional questions, then please, get in touch with us! Call us, chat with us online, or send us an email. Computers are great, but our concert insurance program is provided by real people who want to help. Don’t hesitate to contact us.

Why Purchase Concert Insurance through American Specialty Express?

American Specialty Express delivers the ability to quote and buy affordable concert insurance immediately and come back to your account anytime you want. Concert insurance can be purchased up to three days prior to the concert and provides all of the needed documents online. Once coverage is bound, eligible additional insureds can be added for no additional cost! Need a copy of the policy? Simply get online anytime to print a copy of the insurance policy/certificate of insurance, add an additional insured, review coverage, or report a claim. Hopefully nothing goes wrong at the concert but if it does, we provide an easy, hassle-free process, to report and manage the claim.

    So what's next? Time to purchase your Concert Insurance!

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