Accidents do happen! I would imagine that event organizers take every care to ensure the safety of all those taking part. I would expect them to have considered the fact that when the inevitable happens they have taken out insurance to cover all those taking part.

It is unreasonable and it's just not practical to expect individual's artists to cover the events public Liability Insurance. Not only that even if each performer produced a copy of his Public Liability insurance before each and every song or tune it would be know guarantee that the insurance company would pay out. Why not? Who knows has the venue hold a music licence has every peace of electrical equipment and PA equipment been safety tested by a qualified person. Is their a rider in that MU insurance that say's an MU Contract has to be signed for that performance or some other little detail in the pages of small print stops the insurance company paying out. What about the havoc that unpaid steward volunteers might cause selling raffle tickets? What if some superstar turns up without an insurance certificate are you going to turn down the offer of a song from Bob Dylan. It has to be better and cheaper for event organizers to take out the insurance for there events.
Insurance that covers all eventualities.                              

Why complain about people being more likely to sue for damages?
Why blame the Americans or the EU?
Why make inflammatory statements blaming another country for your perceived notions of right and wrong? These statements are well out of order. You should be thanking your luck stars that you can sue and that you have the rights that your ancestors fought long and hard to gain.

If you do not agree why not hold your or attend events in some country where some of the workers slave away for long hours for little pay. Where they can't sue their employer if they are injured they are sacked and sent home! Where the are unable to sue for compensation when they are injured through no fault of there own even if they had the money to sue to compensation for any loss or injury or death.

Health and Safety might seem like a pain in the Butt and the monies paid out on insurance for your event seem wasted. I hope they are a waste and you never have to make an insurance claim. Please have a safe festival try not to fall into any Pubs or over any Morris Dancers, Buskers, Banana Skins or Aging Hippies.