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Sports, Music and Entertainment
The show must go on, and we make sure it does
Sports, music and entertainment insurance built for the business behind the show
Protecting your events against the unexpected
Every concert, sporting contest, and live event runs on confidence; confidence that the performers will take the stage, the venue will open its doors, and the production will go as planned. When something goes wrong, the financial consequences hit quickly.
That's what our Sports, Music, and Entertainment practice was built for. Bringing together the specialist contingency insurance expertise of Gravitas Insurance, the only U.S. retail brokerage dedicated exclusively to this space, and our global reach, we offer the most complete sport, music and entertainment insurance capability in the U.S. market.
Our clients include headline touring artists, professional sports franchises, live event promoters, talent agencies, record labels, and major production companies. We design programs for the industry's most complex exposures and stay in the fight for our clients when claims arise.
Perform with confidence
Coverage for artists, athletes, and promoters
Sports and entertainment events take years to plan. But all that hard work can be undone in a second due to unforeseen circumstances. And the consequences will live long in the public consciousness, not to mention the bottom line of the many stakeholders involved.
In these high-stakes industries, the line between dazzling and disastrous can be razor thin. That’s why it pays to protect every aspect of a show, concert, or sports event from planning through promotion to execution.
If the star fails to take to the stage, whatever the reason may be, non-appearance insurance covers stakeholders against the financial impact. Cancellation and ticket refund insurance mean that promoters and spectators are protected if events must be cancelled due to adverse weather or other disruption. And promotional risk insurance ensures that event organizers are not overexposed for large contest payouts or prize giveaways.
The sports, music and entertainment products we offer
Non-appearance insurance
Protects against the financial impact of a performing artist, athlete, or public figure failing to appear due to illness, injury, or other covered perils. Tailored for headlining acts, talent agencies, and event promoters.
Event cancellation insurance
Comprehensive coverage for cancellation, postponement, abandonment, or curtailment of live events due to unforeseen circumstances, including adverse weather, terrorism, and communicable disease.
Death and disability insurance
Long-term financial protection for entertainers, athletes, coaches, and high-value executives against the risk of death or permanent disability that could end a career or impact a business.
Promotional risk insurance
Covers the financial exposure of promotional campaigns involving prize giveaways, contest bonuses, and other contingent liabilities, protecting brands and sponsors from outsized payout risk.
Ticket refund insurance
Provides coverage for ticket refund obligations triggered by cancellation or postponement, protecting promoters and event organizers from the full liability of refund programs.
Ready to talk?
Meet our Sport, Music and Entertainment team
Sports & EntertainmentSports & EntertainmentJohn leads Howden’s Sports and Entertainment practice in the US. He is a recognized expert in event cancellation and non-appearance insurance, advising on complex risks for many of the world’s top-performing artists and touring acts, live-event organizers, talent agencies, and record labels.
With more than 20 years of experience, John is known for a relationship-driven approach that prioritizes senior accountability and continuity. He began his career in Nashville, where he developed insurance solutions that allowed touring artists to invest in large-scale productions with greater financial confidence.
At Howden, Tomlinson combines boutique service with global scale. He works closely with sports and entertainment clients to deliver tailored solutions and connect them with specialized expertise and insurance capacity. His work reflects Howden’s people-first model, bringing clients direct access to experienced leaders backed by a global network.
Tomlinson’s insights have been featured in Rolling Stone and The Hollywood Reporter. He is known for helping clients navigate evolving risks, including terrorism exposure, weather disruption, and mental health-related non-appearance, with a focus on practical solutions and clear accountability.
Named by Variety Magazine as a “Hollywood New Leader”, John is widely recognized as one of the industry’s most dynamic experts in Event Cancellation and Non-Appearance insurance for major global events.
Sports & EntertainmentSports & EntertainmentMarlene Benoit has dedicated her entire career to delivering industry leading event cancellation and promotional risk management coverage solutions across all segments of entertainment, gaming, and sports.
Named as a Power Broker™ by Risk & Insurance Magazine, Marlene previously served in senior leadership roles at IC Group and Marsh. Most recently at Lockton Companies, she led the North America Contingency Team and developed a deep expertise in music-related non-appearance coverage.
Marlene works alongside many of the world’s top performing artists and major event organizers. Distinctly known for her tireless work ethic and tenacious client advocacy, she is one of the most in-demand and influential figures in the global Contingency sector.
Marlene resides in Las Vegas and possesses undoubtedly the most impressive shoe collection in the insurance industry.