Charity Event Insurance
Charity event cover for organisers, stallholders and performers from only £25.99.*
- Insurance for one-off & single day events
- Public Liability for short term events
- Join 150,000 customers**
Save 10% Onlineˆ
From only £25.99 one-day event
Get a quote for charity event insurance
Select the option which best describes your role at the event and get a quote for special event insurance.
What does charity event insurance cover?
Charity Event Insurance is designed to protect organisers running fundraising events of all kinds. Whether you’re hosting a gala dinner, fun run, community fete, or charity concert, this cover helps safeguard your organisation from unexpected costs if things don’t go to plan.
It provides flexibility for short-term events (up to 14 days) and can be tailored to fit the specific nature and size of your event. Core protection typically includes public liability, while optional extras such as event cancellation or equipment cover can be added as needed, helping you stay protected without paying for unnecessary extras.
Cover limits differ for stallholders, performers, caterers and photographers. Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Event Cancellation
Employers’ Liability
Event Money
Event Equipment
Public Liability
- Up to £10 million of cover.
- Protection from claims filed by a third-party who sustain injuries during the event or has their property damaged as a result of your negligence.
Equipment
- £2,500 worth of equipment cover included.
- Increase up to £50,000 of equipment cover.
- Protecting simple or specialist equipment whether it be tables and chairs at a fair or more specialist audio equipment for concerts.
- Protection from theft, provided reasonable precautions are taken.
- Cover for equipment in transit, to and from the event.
- Replacements or repairs reimbursed to the value of cover selected.
Event Money
- £2,500 worth of event money cover included.
- Increase up to £50,000 of event money cover.
- Cover provided for the physical loss of money at an event venue or whilst in direct transit between the venue and a bank.
Event Cancellation
- Cancellation, postponement or interruption of the event for various unforeseen circumstances beyond your control.
- Protection from significant losses such as the non-recoverable expenses associated with organising and promoting the event, but also from potential revenue loss from ticket sales, sponsorships, merchandising, and more.
Non-appearance cover
- Covers your financial loss if a key insured person cannot attend the event due to death, serious illness, accident, or unavoidable travel delays.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
- Subcontractors for the event, they should have their own liability cover.
- Cancellation, abandonment and postponement is not available when the event is taking place within the next 14 days or for those organising a wedding.
- Money left unattended unless in a locked safe.
- Financial failure and lack of support for the event.
- Loss or damage caused by the defective erection, use or dismantlement of any staging, marquees or temporary structures.
- Damage to the event venue caused by the application of tools.
- Damage to the ground and or underground services at the event venue.
- Injury or Damage caused by the sale or supply of goods.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability
- Up to £10 million of cover.
- Protection from claims filed by a third-party who sustain injuries during the event or has their property damaged as a result of your negligence.
Equipment
- £2,500 worth of equipment cover included.
- Add up to £50,000 of equipment cover.
- Protecting simple or specialist equipment whether it be tables and chairs at a fair or more specialist audio equipment for concerts.
- Protection from theft, provided reasonable precautions are taken.
- Cover for equipment in transit, to and from the event.
- Replacements or repairs reimbursed to the value of cover selected.
Event Money
- £2,500 worth of event money cover included.
- Add up to £50,000 of event money cover.
- Cover provided for the physical loss of money at an event venue or whilst in direct transit between the venue and a bank.
Event Cancellation
- Cancellation, postponement or interruption of the event for various unforeseen circumstances beyond your control.
- Protection from significant losses such as the non-recoverable expenses associated with an event cancellation.
- Not available within 14 days of the event.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
- Subcontractors for the event, they should have their own liability cover.
- Cancellation, abandonment and postponement is not available when the event is taking place within the next 14 days.
- Money left unattended unless in a locked safe.
- Financial failure and lack of support for the event.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability
- Up to £10 million of cover.
- Protection from claims filed by a third-party who sustain injuries during the event or has their property damaged as a result of your negligence.
Equipment
- £2,500 worth of equipment cover included.
- Add up to £50,000 of equipment cover.
- Protecting simple or specialist equipment whether it be tables and chairs at a fair or more specialist audio equipment for concerts.
- Protection from theft, provided reasonable precautions are taken.
- Cover for equipment in transit, to and from the event.
- Replacements or repairs reimbursed to the value of cover selected.
Event Money
- £2,500 worth of event money cover included.
- Add up to £50,000 of event money cover.
- Cover provided for the physical loss of money at an event venue or whilst in direct transit between the venue and a bank.
Event Cancellation
- Cancellation, postponement or interruption of the event for various unforeseen circumstances beyond your control.
- Protection from significant losses such as the non-recoverable expenses associated with an event cancellation.
- Not available within 14 days of the event.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
- Subcontractors for the event, they should have their own liability cover.
- Cancellation, abandonment and postponement is not available when the event is taking place within the next 14 days.
- Money left unattended unless in a locked safe.
- Financial failure and lack of support for the event.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability insurance for caterers
- Up to £10 million available.
- Protection from claims by a third-party (EG member of the public) who sustains injuries or has their property damaged as a result of your actions.
Product Liability
- Up to £10 million available.
- Protection should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
Catering Equipment
- From £250 worth of cover.
- Add up to £10,000 worth of cover.
- Protects against accidental damage, loss, or theft of equipment you own or are legally responsible for. This includes business equipment that isn’t permanently fitted, whether it’s at your premises or temporarily off-site.
Stock
- From £250 worth of cover.
- Add up to £3,000 worth of cover.
- Provides protection for accidental damage, loss, or theft of your stock, including non-frozen goods, whether stored at your premises or temporarily elsewhere.
Frozen goods cover
- From £250 worth of cover.
- Up to £3,000 cover available
- Protects your frozen goods against accidental damage, loss, or theft.
- Includes cover for damage or loss caused by refrigeration equipment breakdown or a failure in the public electricity supply.
- Also provides protection for losses resulting from theft or vandalism.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Catering trailer cover (only available to annual policies)
- Up to £25,000 cover available (for quotes over £25,000 our team can provide a bespoke quote)
- Provides cover for accidental damage, loss, or theft of your trailer, including its internal fixtures and fittings.
- Optional cover is available for damage caused to the trailer while in transit.
- For trailers worth £10,000 or less, you’ll need a wheel clamp and hitch lock, when left unattended.
- For trailers worth over £10,000, you’ll need a wheel clamp, hitch lock, alarm, and tracker, when left unattended.
- For trailers worth over £25,000 a serial number will need to be provided.
- Overnight, the trailer must be stored in a driveway, garage, or locked compound.
While in transit, if the trailer is involved in a road traffic incident while attached to a car or van, third-party liability will typically be covered under the insured’s motor insurance. However, damage to the trailer itself can be covered under this policy if the relevant cover option is selected.
Loss of money
- Protection for any money earned through your insured business activities.
- Cash from your business is covered while it’s at your business premises, your home, or the home of any partner, director, or authorised employee. It’s also protected when being transported during business-related journeys.
- Cover also includes damage caused by theft to cash registers, safes, bags, or cases used to carry money, as well as damage to tills and safes.
- Cover for bona fide subcontractors, who should have their own insurance.
- Catering overseas.
- Claims for financial losses relating to non or late delivery of products to third parties.
- Cover for equipment and stock when left in a vehicle and/or catering trailer out of sight of the driver and/or more than one minutes walking distance from the driver.
Endorsements:
- Staff must have a minimum level 1 food hygiene certificate (including apprentices)
For information on exclusions in your cover please refer to policy documentation.
Why do need insurance for charity events?
Even with the most careful planning, fundraising events can face unexpected challenges. A guest might trip over a cable, a hired marquee could be damaged in bad weather, or equipment could go missing. Without the right insurance, your charity or committee could be held financially responsible.
Charity Event Insurance from Protectivity offers peace of mind by covering these key risks allowing you to focus on delivering a safe, successful, and memorable event for your supporters. With the right cover in place, you can fundraise confidently, knowing your good cause is protected.
So, what types of insurance cover charity events might you need? Every event is different, but most charity organisers should consider:
Public Liability Insurance for events
Public liability is the foundation of most event policies. It covers your legal liability if someone is injured or their property is damaged because of your event’s activities.
A member of the public could trip over an extension lead and injures themselves, or a volunteer accidentally damages a venue’s flooring while setting up tables. Public liability insurance helps cover the associated legal and compensation costs.
Event Cancellation Insurance
Even with careful planning, some things are beyond your control. Cancellation cover protects you if you have to cancel, postpone, or abandon your event due to unforeseen circumstances like severe weather, venue damage, or key supplier failure.
A charity fun run could be cancelled because of flooding, or your venue becomes unavailable due to a fire. Cancellation insurance can help recover costs like venue hire, catering, or promotional expenses.
Employers’ Liability Insurance
If you’re employing staff, or even relying on volunteers, you’re legally required to have employers’ liability insurance. It protects you if someone working at your event is injured or becomes ill due to their role.
A volunteer could strain their back while moving equipment, or a temporary event helper slips during setup. This cover can help pay for medical expenses, compensation, and legal fees.
Equipment and Event Money Cover
Many charity events rely on hired or owned equipment such as sound systems, marquees, staging, or catering gear. Equipment cover protects against loss, theft, or damage to these items. Event money cover protects cash donations or funds raised during the event.
A PA system could be damaged during a community concert, or takings from a fundraising stall are lost or stolen before they’re banked. These covers help you recover those losses and keep fundraising efforts on track.
These covers work together to ensure your event and your charity stay secure if things take an unexpected turn.
Our experts explain why...
“Securing charity event insurance is essential for protecting your hard work, funds, and community efforts. Whether you’re hosting a fundraising gala, fun run, or local fair, unexpected incidents can put both your finances and reputation at risk. Charity event insurance provides a vital safety net covering public liability, cancellations, and equipment damage, so you can focus on raising awareness and making a difference, rather than worrying about unforeseen setbacks. It’s a smart way to ensure your event runs smoothly and your cause stays at the heart of the day.”
Chris Trotman, Protectivity Underwriting Manager
How much does charity event insurance cost?
At Protectivity, policies start at just £25.99 for a one-day charity event stallholder policy.
The cost of Charity Event Insurance depends on several factors, including the size and type of event, number of attendees, and the covers you choose. Adding extras like employers’ liability or cancellation cover may increase the price but ensures you only add what you need.
Ultimately, a small investment in the right insurance can save your charity from significant financial loss protecting both your event and the cause it supports.
Prices from
£25.99*
Explainer Quote
Policy cost
£25.99*
Policy type
Charity Event Stallholder
Event duration
1 day
Event type
Community Fair
Number of attendees
Up to 50
Public Liability
£1,000,000
Money cover
£2,500
Event equipment
£2,500
This example is based on a real quote from our website on 25/11/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your charity event insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Can I add cover for multiple events throughout the year?
Yes. If you organise several events annually, you can extend your policy to include multiple events throughout the year, rather than purchasing separate insurance each time. This can provide continuous protection and potentially save costs.
Am I covered if adverse weather forces us to cancel?
Yes, if you’ve chosen to add the Event Cancellation cover. This includes protection for cancellation or postponement due to adverse weather conditions, as long as the event cannot reasonably proceed.
Can I get insurance for a one-off charity event?
Yes. Cover is available for single, one-off charity events, providing protection for public liability, event money, and equipment. Optional extras like cancellation or employers’ liability can also be added if needed.
How far in advance do I need to arrange insurance?
You should arrange your insurance at least 14 days before the event if you want cancellation cover to apply, as this option isn’t available within two weeks of the event date. For other covers, such as public liability or equipment, you can arrange insurance closer to the event but earlier is always better to ensure full protection.
Are volunteers covered under charity event insurance?
Volunteers are covered under Employers’ Liability Insurance, which can be added as an optional extra. This provides up to £10 million of protection if a volunteer or staff member suffers a work-related injury and makes a claim against you.
Am I covered for cancellation or postponement of my event?
Yes, if you choose to add the optional Event Cancellation cover. This protects you if your event is cancelled, postponed or interrupted due to unforeseen circumstances beyond your control, such as illness, venue issues or extreme weather. It covers non-recoverable expenses and potential loss of revenue from ticket sales or sponsorships.
However, note that this cover is not available if your event is taking place within 14 days of purchase, or for wedding events.
Do I need public liability insurance for my charity event?
Yes, it’s strongly advised. Public Liability Insurance protects you against claims made by third parties for injury or property damage that occurs as a result of your event. Many venues will insist that organisers have this cover in place. You can get up to £10 million of public liability protection with this policy.
Is event insurance a legal requirement for charity events in the UK?
Event insurance isn’t a legal requirement in the UK. However, it’s highly recommended as many venues and local authorities will require you to have public liability insurance before allowing your event to take place. It also provides essential protection should an accident or claim arise.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/01/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for selected policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data