What's included in our Event Insurance?
Event Public Liability Insurance
We provide up to £10 million in public liability insurance for events, which will meet the needs of your venue or local authority. This will protect you should a compensation claim arise because a member of the public, a performer, speaker or other third party suffers an injury or property damage at your event.
Optional Event Cancellation Insurance
If you are hosting an event, having appropriate cancellation cover can protect you if it becomes necessary to cancel or rearrange your event. This applies to policies bought no later than 14 days prior to the event.
Event Equipment Cover &
We can provide cover for your equipment, including tables at fetes, to sound equipment at concerts. We can also include cover for money at your event and whilst its in transit from the venue and a bank.
If you employ any staff at your event, including unpaid volunteers, helpers and stewards it is a legal responsibility for you to have employers’ liability. This covers you should a staff member suffer an injury and blame your event.
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Why choose Protectivity for Event Insurance?
Over 25 Years Experience
We have been providing insurance policies to individuals and businesses for over 25 years. Give yourself the peace of mind of knowing your event is in safe hands, with special events insurance built around your exact needs at a great price.
Excellent Claims Support
We know things can go wrong at an event, whether it’s an injured visitor, a damaged speaker or the event has to be cancelled. That’s why we’re determined to make the claims process as hassle-free and efficient as is possible.
With our bespoke quick quote system, we aim to give you a price to cover your event instantly. On the rare occasion that this is not possible, we endeavour to provide you with one within two working hours.
Outstanding Customer Support
Our UK based sales team are on hand to provide you with the support you need. We pride ourselves in providing an outstanding service. Read our independent reviews.
What does insurance for events cover?
Our Event Insurance is designed to offer comprehensive protection to individuals and organisations who are either organising an event or attending as a stallholder.
Our policy includes Public Liability Insurance as standard, as well as equipment cover (to the value of £2500) and cover for event money (to the value of £2500), with the option to increase to up to £50,000.
Additional cover options such as Employers’ Liability and Event Cancellation Cover can be included to suit your requirements.
Our policy, underwritten by Convex, can be taken out to cover you during a one-off, single, or multi-day event. To get an instant Event Insurance quote, complete our short online quote form.
The policy can cover those organising a wide range of events including parties, food festivals and fetes. For more information about our Event Organiser Insurance give our UK based sales team a call on 01494 887909, available Mon – Fri, 9am – 5:30pm.
Event Cancellation Insurance
Event cancellation insurance is designed to protect event organisers from potential financial losses that might arise from the unexpected cancellation, postponement, or interruption of an event due to unforeseen circumstances.
An essential addition to your policy for both small and large-scale events; festivals, fairs, parties and more. Cancellation can result in significant losses not just from the non-recoverable expenses associated with organising and promoting the event, but also from potential revenue loss from ticket sales, sponsorships, merchandising.
Be aware there are some exclusions to cancellation cover that unfortunately our policy is unable to cover. For example, in the event of non-appearance of a key person(s) that leads to the event having to be rescheduled or cancelled all together.
Considering the financial ramifications of cancellations, our insurance offers peace of mind to organisers, allowing them to plan and execute events with confidence. If you have any questions about our event cancellation Insurance or wish to get a quote, please follow our online quote process or give our UK based sales team a call.
I was impressed how fast and efficiently my claim was handled. It was clear how to make my claim and the process was straightforward. Overall, very pleased.
Experienced claims handlers
No matter how well your event is organised, we know problems can occur. That’s why with our insurance for event organisers we make it easy for you if you have to make a claim.
Our dedicated team of handlers aim to deal with your situation as quickly and sympathetically as possible. It’s no wonder the vast majority of customers who have made a claim are pleased with how it was handled.
Do I need events insurance?
The main reason to get event organiser insurance is to give yourself the cover of public liability insurance, which will protect you against costs that could arise from being sued by a member of the public for an injury to them, or damage to their property, that has occurred at your event. The event organiser insurance can also include event cancellation protection and equipment cover as optional extras.
How much does event insurance cost?
There are several factors that can influence the cost of events insurance, our one-off event policies start from £43.31 and our single event stallholder policies start from £21.14.
The following criteria will have an impact on your final price:
- The size of the event
- The location & capacity of the venue
- The type of event
- The duration of the event
- The level of insurance needed
Frequently Asked Questions
Q. Will Event Insurance cover me for claims I may receive from the venue owner, if damage occurs to their property for example?
A. Yes, Public Liability considers claims for third party property damage, so the venue you have hired for your event, as long as it’s not your property, can be considered as third party property.
Q. What’s typically covered by public liability insurance for event organisers?
A. Public liability insurance will provide you with cover for legal expenses and damages owed to other parties that may be incurred, in the event a member of of the public pursues damages against you for an injury they have sustained, or damage to their property that has occurred, due to your event.
Q. Does public liability insurance cover my business for the actions of my employees?
A. If an employee accidentally caused an injury to or damaged the property of, a member of the public attending your event, with the individual seeking to make a claim against your business as a result, then you would be covered by your public liability insurance included in this policy.
However, public liability insurance does not cover you in the event of an employee making a claim against you, as this would fall under Employers’ Liability insurance, which is an optional extra.
Q. Does the policy cover the stallholders at my event?
A. No, any independent stallholders, exhibitor or supplier who engages with your event should have their own Public Liability in place. This policy is designed to protect you as the event organiser, and not those who exhibit or sell at your event.
If you have your own stall at events, then take a look at our Stallholder Insurance policy.
Q. What kind of excess should I expect?
A. The excess for public liability insurance claims on this policy is £250.
Q. Can I get multi-event insurance?
A. Yes, our annual multi-event policy can provide you cover for either 15 or 52 events in any annual period.
Q. For one-off events is there a limit to how long my event can go on for?
A. If you are the event organiser then we can provide cover for events lasting up to 30 days in duration. If you will be attending as a stallholder, we can provide protection for a single event that lasts up to 14 days.
Q. Can you protect against adverse weather?
A. Yes, should you have to cancel, abandon, or postpone your event due to adverse weather conditions, your costs will be covered. Please be aware, this type of cover is optional and only available on our single event products and with at least 14 days notice prior to your event date.
Q. Can you protect against non-appearance?
A. No, unfortunately our policy is unable to cover for non-appearance of a key person(s) that leads to the event having to be rescheduled or cancelled all together.
Q. Can you cover an event that has a fireworks display?
A. Yes, if you’re planning to have a fireworks display at your event we can provide cover under our Fireworks and Bonfire Night Insurance, rather than our Event Insurance.
Tips and advice on organising the perfect event
Organising events, big or small, can be hard work. This handy event planning guide will ensure you’re on the right track, but why don’t you take a look at some of our great blogs on organising and running your event.
Further information on our policy
If you have any other questions, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.