There’s nothing quite like the energy of a local festival or fair in Houston, TX—the music, the food, the lights, the crowds, the kids with cotton candy smiles. These events bring communities together in joyful ways, but behind all the fun is a mountain of planning—and risk. That’s where festival and fair insurance comes in.
At Texas Special Event Insurance, we help organizers and sponsors protect their events from the unexpected. If you’re hosting a street fair, music festival, craft show, food truck rally, or cultural celebration, having the right insurance is just as important as securing your permits. Call us today at 866-602-7076 and we’ll help you build the right coverage for your event.
When you bring together large crowds, temporary structures, vendors, performers, and maybe even carnival rides—it only takes one accident to trigger a financial disaster. Festival insurance protects your event from liability claims, property damage, weather-related cancellations, and more.
Even if your event runs smoothly, many venues and cities in Houston, TX require proof of insurance to approve permits. That’s something we can handle quickly for you at Texas Special Event Insurance. Just give us a call at 866-602-7076.
Festival and fair insurance policies can be customized to fit your event’s size, activities, and risks. Here are the most commonly included coverage options:
Bodily Injury
Protects you if an attendee is hurt during your event—like a slip, trip, or fall.
Property Damage
Covers accidental damage to the venue, rented tents, sound equipment, or vendor booths.
Vendor Liability
If a vendor causes harm or damages something, your policy can help cover you.
Liquor Liability
If alcohol is being served or sold, host liquor coverage is a must to protect against alcohol-related incidents.
Event Cancellation
Optional coverage that helps you recover costs if weather or other circumstances force cancellation.
Equipment Coverage
Covers rented sound, lighting, stage equipment, and other event gear from loss or damage.
Events can be unpredictable. Here are just a few real-life examples of claims that festival and fair insurance can help cover:
| Claim Type | Description |
|---|---|
| Slip-and-Fall Injury | An attendee trips over a power cord hidden under a rug and breaks a wrist. |
| Tent Collapse | Strong winds knock over a vendor tent, damaging merchandise and injuring a staff member. |
| Alcohol-Related Incident | A festival-goer becomes intoxicated and causes a disturbance, resulting in injury and property damage. |
| Vendor Fire | A food truck catches fire and damages adjacent booths—your policy may help cover losses. |
| Bad Weather Cancellation | A storm forces your two-day fair to close early—optional cancellation coverage reimburses part of your losses. |
Cost depends on the event’s size, duration, location, and risk factors. A small weekend art fair might start around $200–$400, while larger festivals with vendors, live music, or alcohol may cost $1,000 or more.
But here’s the good news: Texas Special Event Insurance can work with your budget and customize a policy that gives you great protection without unnecessary extras. Call 866-602-7076 for a fast quote today.
You put your heart into organizing something special for Houston, TX—let us help protect it. At Texas Special Event Insurance, we specialize in festival and fair insurance for events of all kinds. From general liability to weather coverage, we’ll make sure you’re ready for anything.
Call 866-602-7076 or fill out our online quote request form to get started today.