Festival

When scores of bands, thousands of fans and the British weather get together for the UK festival season, it's not just the performers who run for cover.

Imagine the logistical complexity and the scale of investment required to stage a major live event - and then question every assumption you have made. What if the bands don't show? What if the fans don't show? What if it rains - really rains? Equipment failure or theft, an accident that closes the main access road, insufficient security, disruption to other local businesses, health and safety infringements for performers and spectators - it's enough to make you stay at home and watch it all on TV. With high-profile events and high-maintenance stars someone will have to pay if things go wrong. Which is why almost every aspect of an event will be insured in some way.

From the front man's voice or his penchant for stage diving to the safety of the mobile toilets, it's all risk.