Do I need insurance if I only serve at events and festivals? 

Yes. Event organizers are among the strictest about requiring coverage, because your operation puts their attendees and property at risk. Most require general liability at set minimum limits and ask to be added to your policy as an additional insured for the event dates. 

An annual policy is usually more economical than buying event-by-event coverage, and it keeps you protected between bookings, including while driving to and from events. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.