The Show Must Go On
(Without the Inflated Insurance Premiums Killing Your Bottom Line)
Running a music festival in Australia is legendary work—but right now, it’s bloody tough. Between skyrocketing logistics, artist fees, and unpredictable weather, the last thing you need is a bloated insurance premium stuffed with hidden broker commissions.
At Luma, we’ve stripped out the jargon and the fat to keep Australian music festivals dancing.
Festival Organisers are doing it tougher than ever. We’re here to lighten the load.
From small single-day events to multi-day camping blowouts, festival organisers are facing a perfect storm. Ticket buyer habits have shifted, operational costs are up, and too many Aussie festivals have been forced to pull the plug.
Worst of all? Traditional brokers treat high festival premiums like a payday—taking percentage-based commissions that rise right alongside your costs.
We do not like that at all.
Luma works on a transparent fixed fee, not hidden commissions. We don’t get paid more just because your insurance costs more. Our only job is to get you the exact cover you need for the lowest possible price.
The Luma Festival Stats
30% Average Saving
We’ve slashed festival insurance premiums by an average of 30% by cutting out broker commission markup.
Zero-Jargon Guarantee
No 80-page fine-print headaches. Just clear, honest advice you can explain to your stakeholders in 2 minutes.
Focused on Live Music
We have insured hundreds of venues, festivals, and music businesses. – we know the difference between a main stage build, a quiet acoustic tent, and a food truck alley.
The Cover You Actually Need
(And Nothing You Don't)
We break down festival cover into plain English so you know exactly where every dollar goes.
Public Liability Insurance
If a festival-goer trips over a tent peg, a speaker stack shifts, or someone gets injured in the crowd, Public Liability keeps your festival protected from catastrophic legal and medical claims. Councils and venues won't let you open the gates without it.
Learn more about Public Liability
Equipment, Stages & Gear
For the PA systems, lighting rigs, staging, generators, and site infrastructure—whether owned, hired, or leased.
Event Cancellation & Interruption Insurance
Extreme weather, headliner illness, venue access issues, or sudden safety mandates—if the gates can't open or the festival gets cut short, Event Cancellation Insurance protects your non-refundable costs and ticket refunds so one bad storm doesn't wipe out your business.
Learn more about Cancellation & Interruption Cover
Why Festies Switch to Luma
No Hidden Commission Inflation
Traditional brokers pocket a percentage of your premium. The higher your insurance cost, the more they make. We charge a fair, transparent fee so our goals align with yours: keeping premiums down.
Insurance You Actually Understand
We ditch the Latin phrases and legal mumbo-jumbo. You get plain-English policies that make sense on the ground.
Speed & Scene Support
Festivals move fast. We turn around quotes and certificates of currency quickly so you can satisfy council permits, landowners, and licensing authorities without delay.
Ready to trim 30% off your festival insurance?
Send us your current schedule or policy renewal. We’ll review it for free, strip out the broker markup, and show you what plain-English festival insurance looks like.