Event Insurance
Specialist event cover for event organisers, stallholders, caterers and performers from only £25.99*
- Public liability for events
- Single, multi-day and multiple-event insurance
- Join over 150,000 customers**
Save 10% Onlineˆ
From only £25.99* one-day event
Get a quote for event insurance
Select the option which best describes your role at the event.
What does event insurance cover?
Our insurance for events is tailored to meet the diverse needs of event organisers, offering comprehensive protection for various event types. You’ll find public liability insurance for events included and you can add essential extras such as Event Cancellation and equipment cover as needed, to get the best possible price.
This policy is designed to deliver flexibility and value, helping you avoid costly claims. Cover can be adapted for a wide range of events, including fetes, parties, and community fun days, from one day and up to 52 events per year. We also offer One-Off Event Insurance to cover single day events, or events lasting up to 14 days.
Cover limits differ for Stallholders, Performers or Caterers. 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
Event Equipment
Event Money
Employers' Liability
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.
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.
- 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 £5 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 £5 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 £3000 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
- Up to £10,000 cover available (contact us for cover over £10,000)
- 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.
To qualify for this cover, the trailer must have an approved alarm, tracker, and key-operated hitch lock when unattended. Additionally, a wheel clamp must be used when the trailer is unattached and unattended. 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 catering trailers left out of sight of the insured and/or more than one minutes walking distance from the insured.
- 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)
- When a trailer is unattended, it must have an alarm, tracker and key approved hitch lock installed. It must also have a wheel clamp when unattached and unattended.
- Trailer must be kept in a driveway, garage or locked compound overnight.
- 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.
For information on exclusions in your cover please refer to policy documentation.
Why do event planners need insurance?
Events Insurance with Protectivity complements the planning, risk assessment and contingency associated with running an event. We aim to support event organisers with their event responsibilities offering comprehensive cover and avoiding financial setbacks that may affect the success of an event.
Here are some common examples to demonstrate why event organiser insurance is the smart option:
Cover against claims if a member of the public gets injured.
Gatherings of people brings risks of accidents that can lead to injuries or damage. Ensure you have public liability to protect you against these incidents such as slip-and-fall accidents, injuries caused by equipment or structures, damage to personal property caused by the event.
An employee, temporary worker or volunteer suffers a workplace accident.
Event employees may be at risk of accidents or injuries during their work. A severe injury may mean they are then out of work themselves and bring a claim against the you, holding the event responsible for loss of earnings.
If employees or volunteers are involved in your event, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
You are forced to cancel, abandon or postpone your event.
Add a safety net for your event in case of these unpredictable situations. Be prepared for cancellation, abandonment, postponement or interruption of your event by adding cancellation cover.
Accidental damage to event equipment.
During events, equipment is likely moved around and subsequently damages and losses are a higher risk.
With the right equipment cover you can make a clam to replace or repair equipment you’ve hired, leased, loaned, or own yourself.
Your venue asks for public liability to hold an event.
Your venue may expect proof of public liability for events as a minimum before you secure a booking to host an event.
Our experts explain why...
“Securing event insurance is crucial in safeguarding your investment and mitigating unforeseen risks. Whether organising a wedding, concert, or corporate function, unexpected incidents can jeopardise your financial well-being. Event insurance provides a safety net, covering liabilities, cancellations, or property damage, offering peace of mind and allowing you to focus on creating memorable experiences rather than worrying about potential setbacks. It’s a wise investment that ensures your special occasion remains a joyous and stress-free affair.”
Chris Trotman, Protectivity Underwriting Manager
How much does event insurance cost?
Investing in event insurance takes the weight off managing your risks and responsibilities and helps add credibility to your event services.
There are varying factors that will influence the exact amount you pay for events insurance. It could be you have high-value specialist equipment that you need to cover, or employees working for the event to add to your policy, which will influence your overall price.
At Protectivity, policies start at just £45.56, for an event organiser or £25.99 for a Stallholder for a one-day event.*
Prices from
£25.99*
Explainer quote
Policy cost
£45.56*
Policy type
Event Organiser
Duration
1 Day
Event Type
Party
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 01/01/2025. 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.
What type of events are covered?
At Protectivity we are experts in specialist events insurance and are experienced at handling an extensive range of niche events. Here’s a selection of types of events we can cover, request a quote to see the full list.
Events covered.
Anniversary parties
Antiques fairs
Casino nights
Charity events
Children’s concerts
Committee meetings
Country fairs
Cookery demonstrations
Family fun days
Food festivals
Horticultural shows
Music concerts
Photo shoots
Tea & Coffee mornings
Weddings
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 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
Multi-Event Organiser Insurance
Are there special requirements for insuring events at listed buildings or heritage sites?
No, we do not have any exclusions or restrictions regarding listed buildings or heritage sites. Your policy would be valid providing you have the relevant permissions from the venue.
Do I need specific coverage for serving alcohol at UK events?
No, we do not offer cover specifically for serving alcohol. We would however require you have a license to sell and serve alcohol for this to be covered under your policy. Please also ensure the venue allows alcohol consumption if necessary.
Am I covered for both indoor and outdoor events?
Our event insurance provides cover for both indoor and outdoor events. You will be prompted to specify if your event(s) will be held indoors or outdoors when obtaining a quote on the website or over the phone with one of our advisors.
Do I need TEN (Temporary Event Notice) approval before getting event insurance?
No, we do not require you to have Temporary Event Notice approval to purchase our event insurance. However, please ensure you have completed all the relevant risk assessments and checks the venue requires for the insurance to be valid.
How does equipment coverage work for multiple events?
The event property benefit provides cover for damage loss or theft of equipment up to £50,000 across the annual policy. Please note this does not include cover for stock.
What happens if I need to change event dates or venues?
If you require to change the event dates or venue of a One-Off Event please contact a member of our team on 01494 887909 or by emailing us at contact@protectivity.com.
Can I cover staff who work across multiple events?
You will be covered under your policy for the number of employees selected when taking out the policy and this would apply to each event the policy is designed to cover throughout the policy period. Employers’ Liability is legal requirement if you employ staff (paid or unpaid).
Do I need different coverage levels for different types of events?
You will be covered for the selected event type shown in your policy documents, however you can upgrade your cover at any time within your policy period to include cover for other event types.
Can I add or remove events from my policy throughout the year?
We do not require you to inform us of each individual event occurring throughout your annual policy period. Please ensure you are keeping within the policy limits outlined in your policy documents.
How does event insurance differ from one-off event coverage?
Our Event Insurance policy is available for single or multiple events.
Our One-Off Events policy provides cover for a single even from 1 to 30 days in length.
Our Multiple Events policy provides cover on an annual basis for up to 52 events across the year each with a maximum single event duration of 3 days.
Can you provide Cancellation Cover on this policy?
No, unfortunately, we are not able to offer Cancellation Cover on our Multi Event Insurance policy. If you are organising an event in which you need to take out protection against cancellation, take a look at our One Off Event Insurance policy.
How many events in a year can be covered?
We can provide cover for up to 52 events in one calendar year, depending on the cover selected. You can choose how many events you need protection for during the quote process.
What is the maximum length of time my events can last?
On our Multi Event Insurance policy, we can only cover events up to eight days in duration, including set-up and set-down.
What is event insurance?
Event insurance protects event organisers from a range of mishaps in several specific areas. It normally includes general liability cover like Public Liability and Employers’ Liability and more specific protection against a range of potential complications that could negatively impact an event such as cancellation or equipment cover.
Can you cover my event outside of the UK?
We are only able to provide cover for events taking place within the United Kingdom.
Does public liability insurance cover the actions of my employees?
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.
One-Off Event Organiser Insurance
Is event cancellation cover available?
Yes, event cancellation is covered under our Event Insurance policy, however please note this is not available for weddings and must be purchased more than 14 days before the event is due to take place. You can obtain a quick quote on our website for cancellation cover up £10,000, to be covered above this please contact us on 01494 887909.
Do you offer cover for any cyber related incidents?
No, our Event Insurance policy does not offer any cover for cyber related incidents or data loss.
Is there a limit to the value that equipment can be covered up to?
You can add up to £50,000 worth of cover, depending on your requirements.
Can you cover my event outside of the UK?
We are only able to provide cover for events taking place within the United Kingdom.
I am not a UK resident, can you still cover my event?
Our policy is designed to cover events organised by UK based individuals and organisations. Therefore, if you are not based in the UK, we are unable to offer cover.
What level of Public Liability do I need for my event?
We cannot recommend which level of cover you need for your event, but if you are hiring a space from a Local Authority or another third party we advise you to check with them whether they require a minimum level of Public Liability.
How close to my event should I purchase my insurance?
You should take out your One Off Event Insurance policy as early as you can. By purchasing your cover at the earliest opportunity, you are giving yourself the maximum protection against cancellation. If you require cancellation cover, you need to give at least 14 days notice to purchase this cover, you will be unable to buy cancellation cover within 14 days before the start of the event.
Do I need to take out Employers’ Liability for volunteers?
If you have anyone working for you, whether they are paid or otherwise, you legally must take out Employers’ Liability. The only exception is if those staff are bona fide sub-contractors with their own Public Liability of at least £2 million.
What constitutes ‘Adverse Weather’?
For your policy’s Cancellation cover to come into effect under the Adverse Weather clause we require either a health and safety official or appropriate emergency authority to certify that it is dangerous or reckless to hold the event. We may require you to provide photographic evidence and Met Office records in the event of a claim under this benefit.
My event takes place next week, can you still cover it?
Yes we can offer cover for an event even in the week it is happening. Please note that for any events taking place within fourteen days, there will be no Cancellation Cover.
Can you cover an event that has a fireworks display?
Yes, if you’re planning to have a firework display we can consider providing you cover for this event. There are two event types available, these are fireworks and bonfire displays provided by yourselves (the insured) and those displays provided by professional third party pyrotechnical companies, whom have their own insurance to provide fireworks and/or bonfire displays. Please make sure to apply for the correct one depending on which on applies to your event.
Can you protect against adverse weather?
Yes, we can consider cover for non appearance of key person(s). This may need to be considered by ourselves prior to giving a definitive answer and a quotation but you can opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension within this cover.
Does the policy cover those with stalls or exhibiting at my event?
Any independent stallholder, exhibitor or tradesman that works, sells or exhibits at your event should hold their own Public Liability Insurance. Our Multi Event Insurance policy is designed to cover you as the event organiser for your Liability.
If you have your own stall at events, then take a look at our Stallholder Insurance policy.
Can you protect against non-appearance?
Yes, we can consider cover for non appearance of key person(s). Opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension. Cover will be considered on a case by case basis.
Are there any activity types that you are not able to cover?
Yes, we have a list of ‘Hazardous Activities‘ that we are unable to cover on this policy.
If there will be any third parties exhibiting or trading at your event who will be engaging in any of these events, they must have their own Public Liability insurance in place.
What is included under ‘Event Equipment Cover’?
We can cover equipment you use for your event excluding motor vehicles, money, perishable goods and paintings, whilst they are in use at the event and in transit to and from the event only.
What is the maximum length of time my event can last?
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.
Will I need Employers’ Liability Insurance?
If you have any volunteers or paid staff at your event then you will need Employers’ Liability as a legal requirement. We would expect all sub-contractors to have their own insurance.
Will One-Off Event Insurance cover me for hiring out a venue?
Yes, our One-Off Event Insurance is suitable if you have been asked to purchase public liability insurance by the owners of a venue or local authority. 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.
Stallholder Insurance
What type of stalls can you cover?
Our policy covers the following stall types: Arts & Crafts, Bags & Accessories, Books, Bric-A-Brac, Christmas Gifts, Clothing & Accessories, Food, Gifts, Greetings Cards, Jewellery & Accessories, Media/Photography & Technology, Merchandise, Novelty Gifts, Pet & Animal Accessories, Plants & Gardening Accessories, Promotional Material, Skincare & Cosmetic/Beauty Products, Stationary, Tombola & Raffle and many more.
Does this policy cover event organisers?
No, this policy is designed to cover individual stallholders, selling a product or exhibiting items. It is not designed to cover the organisers of an event against claims. If you are an event organiser, take a look at our Event Insurance product which can cover you for one-off events or multiple events throughout the year.
Am I covered if one of my products I sell injures a third-party?
No, the liability insurance on this policy does not include liability arising from any products you sell on your stall.
How many days a year is my stall protected?
We provide cover for up to 14 days under our Single Event Stallholder Insurance policy (including set-up and set-down).
Discover more from Protectivity
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