I was invited to teach at a major festival. A student tripped on a tent peg during my class. She sued me. My standard policy denied the claim because “Organized Festivals with >500 people” were excluded.
Key Takeaways
- Event Exclusions: Many freelancer policies exclude large events or specific events (like Burning Man) due to chaotic environments.
- “Additional Insured”: The Festival will demand to be added. If your carrier refuses, you can’t teach.
- Off-Premises: Ensure the policy covers you away from your home studio.
- Special Event Policy: You might need to buy a specific 3-day policy for the event.
The “Why”: The Uncontrolled Environment
The Trap:
In a studio, you control the floor.
At a festival, there are uneven grounds, drugs, and chaos.
Insurers view this as High Risk.
Check your policy for “Special Events Exclusion.”
The Investigation: I Quoted 3 Major Carriers
1. The Event Helper
- My Analysis: You buy a policy for just the 3 days. It covers the festival class specifically.
2. K&K
- My Analysis: They can endorse your annual policy for a specific event for a fee (~$50).
3. Standard Yoga Policy
- My Analysis: Often restricts class size. If you taught 200 people, you might have exceeded the “Class Size” limit.
[IMAGE: Photo of a yoga class at a festival]
Comparison Table: Festival Coverage
| Carrier | Covers Festivals? | Class Size Limit? | Cost |
| Event Helper | Yes | High | $ |
| K&K | Endorsement | Varies | |
| Standard | Excluded | <50 | N/A |
Step-by-Step Action Plan
- Read the Contract: What limits does the festival require?
- Call Agent: “I am teaching at a festival. Am I covered?”
- Buy Event Policy: If in doubt, spend the $100 for a separate policy.
- Scout the Area: Clear rocks/pegs before teaching.
FAQ
Is Burning Man covered?
Usually excluded by name on many policies. You need specialty surplus lines.
What if I’m volunteering?
You are still liable.
Does it cover my travel gear?
Only if you have Inland Marine.