Three Reasons to Trust PHLY for Your Concert Event Insurance


From dive bar bands to multi-day music festivals, live entertainment and concerts are big business. Nielsen estimates that 52% of Americans attend live music events each year, while the concert and event promotion industry is projected to produce $33.3 billion in revenue in 2019.

As fun and profitable as these events can be, they expose concert organizers to a number of liability risks including bodily injury, property damage, damage to rented equipment, and more. To guard against costly claims and host your event with peace of mind, organizers should purchase concert event insurance.

With more than 55 years of insurance underwriting experience and deep knowledge of special event coverage, you can rely on Philadelphia Insurance Companies (PHLY) to help craft the right policy for your event.

Why Get Concert Insurance?

Most concert venues require event organizers to obtain special event insurance and name the venue as an additional insured on the policy. Beyond protecting the venue and themselves from liability claims, organizers have a moral obligation to ensure the event is fun and safe for everyone.

Any time people gather together for a live event, there is a risk of mishap. From temporary structure collapse to security issues and altercations, event organizers have to take precautions in case of unforeseen incidents.

In addition to the risk of liability for personal injuries and equipment failure, events that serve alcohol open themselves up to additional exposures as intoxicated attendees can become a hazard to themselves or others.

To adequately protect against these claims scenarios, organizers should seek special events insurance that includes general liability, personal injury liability, premise liability, and liquor liability if alcohol will be served.

Three Reasons to Choose PHLY

Getting the right insurance policy for your concert or entertainment event can be a daunting task, but our robust coverage options and user-friendly application make the process simple.

1. Comprehensive Coverage

Our robust special events insurance includes:

  • General liability coverage of up to $1M per occurrence/$3M aggregate
  • Premise liability and property damage
  • Personal injury liability
  • Auto liability for owned, non-owned, and hired vehicles

Commercial liquor liability can also be written into policies for events that will serve alcohol. Premiums start at $175 with zero deductible.

2. No-Hassle Application

Our mobile-friendly application can be completed online in minutes. Because we understand venues require proof of insurance, policy documents are emailed to insureds immediately upon completion of the online application. Furthermore, venue hosts and partners can be added to PHLY's concert liability insurance as additional insureds for no additional premium.

3. Recognized Strength and Service Excellence

Our financial strength has been recognized with an AM Best rating of A++ (the highest rating they offer) and a Standard & Poor's rating of A+. In addition, our commitment to customer service has earned six consecutive Confirmit ACE (Achievement in Customer Excellence) awards. This is further reflected in our 96 percent overall customer satisfaction rating.

Let PHLY Handle the Risk

The combination of our industry expertise, robust coverage options, and recognized excellence makes PHLY the perfect insurance company to underwrite your concert or special event. Apply online today or contact a PHLY representative to learn more.

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