General Liability (GL)

Protects against third‑party bodily injury and property damage — e.g., guest trip/fall, stage damages floor, tent collapse.

• Typical limits: $1M/$2M; higher available
• Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation for venues & cities
• Per‑event or annual options

Professional Liability (E&O)

Addresses allegations of negligent planning/coordination, scheduling errors, or vendor mismanagement leading to financial loss.

• Pairs with GL to close gaps
• Claims‑made form; retro dates available

Liquor Liability (Host or Dram)

Protects when alcohol is served or sold; required by many venues and municipalities.

• Host Liquor for incidental service; Dram Shop for sales/catering
• Available as event rider or standalone

Event Cancellation & Weather

Helps reimburse non‑refundable costs and lost revenue due to covered cancellation, postponement, or adverse weather.

• Named perils and all‑cause (where available)
• Rain, wind, heat, smoke/air quality options

Inland Marine (Gear & Rented Equipment)

Covers AV/lighting, cameras, lenses, drones, instruments, generators, tents, and rented/leased gear on‑site, in transit, or in storage.

• Scheduled or blanket; worldwide options
• Theft from vehicles & venues

Workers’ Comp

Covers crew injuries (rigging, lifting, electrical). Required in most states with employees.

• Includes employer liability
• Short‑term labor solutions available

Commercial Auto / Hired & Non‑Owned Auto

For owned trucks/vans; HNOA extends liability when using rentals or employee vehicles for errands and deliveries.

Cyber (Ticketing & PII)

Incident response, legal, notification, and business interruption for ticketing platforms, POS, and guest data — plus social engineering options.

Umbrella / Excess

Extra limits over GL, Auto, and Employers Liability — often required for festivals and city permits.

Venue & City Compliance

Certificates with AI/PNC/Waiver, primary wording, per‑event aggregates, and additional wording per permit.