How to Cover Your Texas Business During Summer Events and Festivals 

Seasonal events can increase opportunities but also reveal gaps in business insurance policies, as coverage often specifically excludes temporary setups or vendor-related injuries. City Auto Insurance can provide options for business owners to address these gaps.

Key Insurance Considerations for Summer Events

Before your next festival or outdoor activation, consider reviewing these coverage areas:

• General liability coverage may provide coverage against bodily injury or property damage claims from attendees, though policy limits and exclusions can vary.
• Inland marine coverage can cover equipment and merchandise transported to and from event sites.
• Liquor liability coverage may be worth considering if your event involves alcohol sales. Businesses serving alcohol can face significant exposure under the Texas Dram Shop Act, and many TABC permits and venue agreements may require proof of coverage. It can be available as a standalone policy or endorsement.
• Workers’ compensation coverage is optional for most private employers in Texas, but it can help cover employee injuries and limit business liability. Employers working on government contracts may be required to carry this coverage.
• Special event insurance can provide short-term coverage that may fill gaps left by your standard policy.

Practical Tips for Event Safety

Stay prepared with the following steps:

• Review whether your policy meets the required liability limits for the event.
• Ensure temporary structures, tents, and rented equipment are included in your policy.
• Confirm your coverage dates align with the full event period, including setup and teardown.

Get Started

Contact City Auto Insurance today to discuss your insurance needs and get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.