Understanding Music Venue Risks

A music venue is a traditionally fun, sometimes chaotic environment to enjoy a concert and have a drink or two. Naturally, music event occupancy comes with a suite of risks, and it is essential for every venue to have an accurate understanding of its own risks and carry appropriate insurance.

What Unique Risks Arise In a Music Venue?

A thorough assessment of music event occupancy risk will be tailored to a given music venue. That said, certain risks are common:

  • Liabilities around alcohol, including serving alcohol to minors
  • Permitted event occupancy, particularly pertinent around disasters like fires
  • Neighborhood or area noise limits
  • Local laws around closing and opening times
  • Adhering to age limit requirements on shows

What Will Insurance Cover?

A well-designed insurance package will be tailor-made for a unique venue to cover any of the above risks — and others — that may arise in the course of business. An insurance agent will also help to streamline compliance with local rules and regulations that govern what’s permitted for a given venue, helping to insure protection for the venue if any claims do arise.

While risks around music event occupancy are serious, a thorough understanding of legal liability and a comprehensive insurance program will ensure shows can go on and be enjoyed as scheduled.