Event Insurance

Insurance for Events Businesses

The events industry can be very varied, whether you run the same event regularly or one-off events, anything can happen. That’s why you need the appropriate event insurance policies to protect you, your staff, and attendees. Events come in all shapes and sizes and so do our flexible event organiser insurance policies.

As an event organiser, we appreciate that you’re incredibly busy juggling different responsibilities. So finding time to work out what sort of event insurance you need can be very time-consuming. With many years’ experience in supporting business owners around the UK, our knowledgeable team can advise you on the right level of insurance for your business.

Whether you run an events business, or your business attends or hosts events at an event venue, we can find the cover to suit you.

Key Features and Benefits

• Quotes from a panel of A-rated insurers.
• Single, flexible policy — tailor made to suit your requirements.
• Dedicated adviser throughout your policy.
• No midterm amendment fees should you need to make a change.
• Access to a 24-hour legal helpline to assist with legal action and defence costs.
• Flexible payment options including direct debit.
• Access to documents anytime, anywhere via our secure portal.

What Kind of Events Insurance do you Need?

There may be several different insurance covers you need when organising and running events, but these are some of the key covers. If you don’t have these protections in place you might have to pay out of your own pocket if someone makes a claim against you.

Public liability cover

To protect members of the public you'll need event public liability insurance cover. This will cover you if an individual is injured or their personal property is damaged as a result of your negligence. This is essential to manage your legal liability as an event organiser.

Employers liability insurance

This is a legal requirement if you have employees, including temporary staff. This can cover you if any of your employees are injured or become sick as a consequence of working for you. It could cover the cost of any claim, along with associated defence costs.

Buildings and contents insurance

If you hold your event at a premises you own, then you’ll also need to insure the building and contents. If you rent a space, such as an event venue, then you may need your own contents insurance to cover property damage.

You might also want to consider financial protection for your takings and money stored on the premises, or being taken to a bank. And if you use a vehicle for your business to transport specialist equipment or stock then you may want to get commercial vehicle insurance and goods in transit. Business interruption insurance can also help you to pay the bills if you’re unable to trade while your shop is closed.

Additional cover to consider

For outdoor events, it’s important to have insurance that covers temporary structures and specialist equipment. This is especially vital when facing adverse weather conditions that could impact your event.

Event cancellation cover provides a crucial safety net by offering financial protection for event organisers against unforeseen circumstances such as bad weather, illness of a key speaker, or other disruptions.

Professional indemnity insurance can also be important to protect your business against claims arising from legal action due to advice or services you provide during your day to day operations.