Event insurance
What kind of events can we cover?
We can cover a wide range of different events, with some of the most popular being:
• Music, cultural, food and literature festivals
• Carnivals, fetes and fun days
• Conferences, exhibitions and tradeshows
• Parties, banquets, dinners and dances
• Concerts, shows and theatre productions
• Triathlons, marathons and fun runs
• Weddings and birthday parties
What covers do you need as an event planner?
Public liability
Cover that protects your business if a member of the public is injured or has their property damaged at your event, paying the legal and compensation costs in the event of a claim.
Professional indemnity
If a third party accuses you of professional negligence, having professional indemnity insurance may help to cover any associated legal costs.
Event cancellation
Your budgeted costs or revenue can be protected if your event has to cancel for reasons beyond the organisers' control, including:
- Adverse weather
- Non-appearance of a guest
- Terrorism
- National mourning
- Communicable disease
- Civil commotion
Event equipment
This cover protects the equipment you use to put on the event against accidental damage, loss or theft, whether you own or are leasing the gear. Typical event equipment that can be covered includes:
- Sound system or public address system
- Lighting rig
- Temporary staging
- Laptops and phones of event organisers
- Tools used to set-up an take-down the event
- Catering equipment
Employers' liability
This is usually a legal requirement for any business that employs staff in the UK, including temporary and contract staff and covers your liability for the costs of a claim made against the business by a employee.
Event planning insurance FAQs
How much does insurance cost?
This depends on the level and types of cover you choose for your business, which in turn depends on the scale of the events you're organising. Public liability cover is considered essential for events involving the public but the cost of your policy will vary depending on how large a limit you require.
Do I have to get insurance as an event planner?
Most business insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is usually a legal requirement for anyone with employees in the UK. Many businesses that plan events involving members of the public consider public liability an essential, as many would be unable to afford an uninsured claim.
What does public liability insurance cover for events?
Our public liability insurance covers your events business for the legal and compensation costs in the event that a member of the public is injured (or their property damaged) and this is the fault of the business.
Can I insure my specialist equipment?
Yes, if you have business equipment cover then your specialist gear such as sound systems, projectors and catering equipment be insured against loss or damage up to a specified limit.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.