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American Specialty Insurance & Risk Services
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American Specialty Insurance & Risk Services
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Festivals Insurance


 
Festivals celebrate everything from art to music, ribs to strawberries, and the religious to the renaissance. American Specialty is a nationally recognized provider of insurance for a wide range of festivals. Our Festivals Insurance program delivers tailored solutions for the distinct operational and liability risks that festival organizers, vendors, volunteers, and sponsors face.
 

Program Highlights for Festivals Insurance

“Excellent” or higher A.M. Best rated carrier
Admitted coverage in all available states
Program-specific forms and rates tailored to festival exposures
Non-auditable policies where applicable
24-hour claims service and responsive claim handling
In-house underwriting, risk management, claims, and policy administration
Online resources and tools for agents
 

Ideal Accounts and Eligible Operations

This program is built for a broad range of community and themed festivals, including single-day and multi-day events, outdoor and indoor venues, and events with varying vendor and attendance profiles. Common fits include:
City festivals and street fairs
Art and craft festivals
Flower and cultural festivals
Music and winter festivals
Food, holiday, and specialty themed festivals
 

Coverage Highlights and Advantages

American Specialty’s Festivals Insurance program offers comprehensive coverages designed around typical festival exposures. Key options include:
• General Liability to protect organizers and premises exposures
• Participant Legal Liability for participant activities and contests
• Volunteers included as additional insureds when requested
• Contingent fireworks and ride liability for events that host vendors or third-party attractions
• Liquor liability for events with on-site alcohol sales or service
• Automobile and property coverage for owned/leased equipment and vendor property (where available)
• Excess/umbrella capacity to increase limits
• Crime and employee benefits liability coverages where appropriate
• Volunteer accident medical and workers’ compensation solutions (as needed)
• Customizable deductible or Self-Insured Retention (SIR) options to match your client’s risk tolerance
 

Underwriting Approach and Minimum Premiums

Underwriting is handled in-house by teams experienced in live events and entertainment. Underwriters evaluate each submission with attention to site layout, vendor management, alcohol exposure, ride/fireworks usage, security plans, and attendee counts. Minimum premiums and program terms vary by event size, location, and risk profile; provide as much detail as possible (site plan, vendor list, alcohol permits, past loss history) to speed placement.
 

Territories and Program Availability

This program is available on an admitted basis in all 50 states and Washington, D.C. Coverage is offered throughout: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
 

Why Work with American Specialty

As a Managing General Underwriter focused on live events, American Specialty pairs niche underwriting expertise with in-house claims and policy administration. That means faster responses, program-specific forms, and consistent servicing from placement through claim. You’ll find this program helpful when placing accounts that require admitted paper, vendor coverage coordination, or layered liability limits.
 

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for community-based festivals, cultural and music events, seasonal fairs, and food or craft festivals of varying sizes.

Is coverage available in all states?

Yes, the program is admitted and available in all 50 states plus Washington, D.C.

Can volunteers be included as insureds?

Yes. Volunteers can be added as additional insureds under the program when needed.

What types of liability coverage are included?

The program offers General Liability, Participant Legal Liability, Liquor Liability, and contingent ride and fireworks liability, among other options.

Do you provide underwriting and claims services in-house?

Yes. American Specialty manages underwriting, claims handling, risk management, and policy administration internally to provide a streamlined service experience.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    Insurance carriers rated "A" or higher by A.M. Best
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

AGENCY LICENSING

 

Licensing
Each state’s regulatory department requires licensing for any broker soliciting coverage within that state. Failure to maintain proper licensing status can result in penalties not only to the broker, but also to the insurer. Therefore, in addition to the completed Broker Agreement, we require that you provide the following:

1.      A copy of your resident license and, if applicable, non-resident licenses for each state in which you have an account insured with our program.

2.      A copy of your agency’s corporate license issued by your state's Department of Insurance.

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American Specialty Insurance & Risk Services has other insurance programs like Amateur Sports Associations Insurance.