Fireworks bring excitement to any celebration, lighting up the sky with dazzling displays. But behind the fun, there’s always a risk of accidents, injuries, or property damage. That’s where fireworks insurance comes in. It’s a specialized coverage designed to protect you, your business, or your event from the financial fallout if something goes wrong.
This guide will walk you through what fireworks insurance covers, why it’s so important, and how to choose the right policy. Let us help you find the peace of mind you need to enjoy the show without worry.
What is Fireworks Insurance?
Fireworks insurance is a specific type of liability coverage for the unique risks that come with handling, displaying, or selling pyrotechnics. It isn’t a standard policy; it’s customized based on the size of your event, local laws, and the specific dangers involved. Whether you’re a professional pyrotechnician, a retailer, or an event host, this insurance provides a crucial financial safety net against claims from accidents like burns, explosions, or fires.
Many people assume their standard homeowners or business liability insurance will cover them, but that’s rarely the case. General policies often exclude high-risk activities, and using fireworks—especially in areas with bans—could void your coverage entirely. Fireworks insurance is designed to fill this gap, ensuring you’re compliant with local regulations and fully protected.
Why You Might Need Fireworks Insurance
While fireworks are thrilling, the statistics are sobering. Each year, fireworks are responsible for roughly 18,500 fires and more than 12,000 injuries, with incidents peaking around holidays like the Fourth of July. Without the right insurance, you could be left paying out-of-pocket for medical bills, legal fees, and property repairs, which can lead to financial disaster.
This coverage is essential for:
- Event organizers hosting public displays.
- Pyrotechnicians and their crews.
- Businesses that manufacture, transport, or sell fireworks.
- Homeowners planning a private show, as most standard policies won’t cover it.
For professional displays at concerts, festivals, or sporting events, having proof of insurance is almost always a requirement. It protects your reputation and your bottom line. At Bull Insurance Agency, we simplify the process of finding the right coverage, so you can focus on putting on a great show.
Key Types of Coverage to Consider
Finding the right fireworks insurance means matching the policy to your specific activities. Here are the most important coverages to look for:
Bodily Injury and Property Damage Liability
This is the core of any fireworks policy. It protects you if someone is injured (e.g., from burns or falling debris) or if property is damaged (e.g., a fire spreads to a neighboring building). It covers legal fees, settlements, and judgments, making it absolutely essential for any fireworks display.
Products and Completed Operations
If you manufacture, wholesale, or retail fireworks, this coverage is for you. It protects your business from liability claims arising from defects or malfunctions after your products have been sold and used.
Personal and Advertising Injury
This covers non-physical harm, like slander, libel, or copyright infringement that might occur during the promotion of your event. It’s a useful addition for businesses that are heavily marketing their fireworks shows.
Medical Expenses
This coverage pays for immediate medical treatment for anyone injured at your event, regardless of who is at fault. It can help quickly resolve minor incidents and prevent them from escalating into larger lawsuits.
Host Liquor Liability
If your event includes serving alcohol, this add-on is a must. It protects you from claims related to incidents caused by or involving intoxicated guests.
Cargo and Inland Marine Coverage
Standard property policies almost always exclude explosives.
- Inland Marine Coverage protects the fireworks while they are in storage, being loaded at a show site, or staged before a display. It covers loss from theft, fire, vandalism, or accidental damage.
- Motor Truck Cargo Coverage is essential for protecting the fireworks while they are in transit. Standard auto policies exclude explosives, so this specialized coverage protects against loss from a collision, overturn, fire, or theft on the road.
Event Cancellation
What happens if bad weather, a vendor issue, or another unforeseen problem forces you to cancel your display? Event cancellation insurance can reimburse you for non-refundable deposits and other lost revenue.
What’s Not Covered?
It’s just as important to understand what your policy doesn’t cover. Common exclusions include:
- Use of illegal or banned fireworks.
- Gross negligence or reckless behavior.
- Intentional acts of harm or damage.
Because regulations vary so much by state and even city, it’s critical to work with an experienced broker who can tailor a policy to your location. Be sure to secure your coverage weeks in advance to ensure it’s active before your event.
Safety First, Insurance Second
Insurance is your safety net, but prevention should always be your top priority. Following basic safety rules not only protects people and property but can also help keep your insurance premiums down.
- Always have a water source, like a hose or fire extinguisher, nearby.
- Keep spectators, especially children, at a safe distance.
- Light fireworks in a clear, open area away from buildings, trees, and dry grass.
- Never try to relight a “dud” firework.
- Soak all used fireworks in water before throwing them away.
Find Your Peace of Mind
Fireworks insurance is more than just a piece of paper—it’s an investment in protecting your event, your business, and your financial future. By understanding the different types of coverage and working with a trusted partner, you can ensure your celebration is remembered for all the right reasons.
At Bull Insurance Agency, we make insurance easy. We’ll help you navigate the complexities of fireworks coverage to find a solution that’s tailored for your needs, giving you affordable peace of mind.