A tent collapse creates two separate losses: the claim from whoever was hurt or whose property was damaged, and the loss of the tent you own. Different policies handle each, and wind limits are where gaps tend to appear.
What to check on your policies:
Third-party claims: Guest injuries and damage to a venue are liability claims. Carriers often ask how the tent was anchored and installed.
Damage to the tent: Coverage for your own structure depends on the policy’s covered causes of loss. Some limit wind or storm losses, or apply separate deductibles.
Installation standards: Following the manufacturer’s anchoring and wind-speed guidance and documenting it can affect both safety and how a claim is handled.
Weather cancellations: Lost rental revenue from a cancelled event is typically not part of these policies. Your rental agreement should address it.
How Liberty structures your protection: Liberty reviews your tent inventory, installation practices, and policy wording together, and works with partner carriers to find wind and storm terms that fit how you set up.