Yes. Abuse and molestation coverage should be confirmed for any program serving minors.
For festivals and public events, usually yes, particularly where alcohol or vendors are involved.
General liability usually covers claims against them. Their own injuries typically fall outside workers' comp.
Require them to carry their own coverage naming you as additional insured. Your policy shouldn't carry their events.
Participant injury across recreation and program use. Frequency is high given open public access.
