Specialist Insurance for UK Festivals

Protectivity’s Festival Insurance provides organisers with protection against scenarios such as damaged equipment, cancellations or Public Liability claims stemming from injury to third parties.

Whether you are holding a music festival, beer festival or a food festival, protecting your event from potentially costly claims and losses is hugely important.

There are many things that could cause you to call on your insurance policy, from the British weather, to your attendees tripping over, to reactions to the food you might serve.

We are often able to provide an instant quote online, and even the most complex enquiries can be quoted within several working days. 

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Instant Quote | Festival Insurance

Why choose Protectivity?

Flexible cover

Whether it’s music festival insurance or cover for a food-based event, you can build your policy to suit your needs. With a number of additional add-ons and benefits we ensure you pay only for the cover you need.

Excellent claims handing

With a large number of participants at most festivals, incidents aren’t uncommon. Therefore we aim to deal with each claim as sympathetically and quickly as possible, to reduce the impact on your business.

Leisure specialists

We’re niche insurance specialists so know the importance of tailoring the cover to you. With 25 years experience and a dedicated team of account managers we are able to deliver a highly specialised service.

Underwritten by experts

Every one of our Festival Insurance policies is underwritten by AXA XL who are specialists in providing insurance to niche markets, covering thousands of businesses and enterprises.

What Insurance Do Festivals Need?

Regardless on the type of festival you will be running there are a number of things you need to consider when buying your one-off event insurance.

Public Liability

Whether it’s a member of the public tripping over some wiring or falling ill after eating the food you serve up, Public Liability offers vital protection. Should your festival be blamed for injury, illness or property damage by an attendee or member of the public, your insurance will handle legal costs and any subsequent settlement.

Cancellation Cover​

With many festivals taking place in the notoriously untrustworthy British summertime we can include adverse weather protection in the cancellation section of your policy. 

Employers' Liability

It’s likely that you will employ staff at your festival, from security teams, to merchandise sellers to general helpers. It’s a legal responsibility that you ensure they are covered under Employers’ Liability in the event they are injured at the event.

Equipment Cover

By adding Equipment Cover on to your policy you can ensure that you are protected should any of the equipment you rely on to deliver your festival to the best effect is covered against loss, damage and theft. 

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens. 

Fantastic claims handling

With the likelihood of a large number of attendees it’s an unfortunate fact that accidents do happen.

That’s why we like to ensure that when you do have to make a claim, the process is as straightforward as possible. 

Thankfully, the Protectivity customers that have had to make a claim have been extremely pleased at the way that we have handled their troubling situation.

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Opening Hours 9am to 5:30pm, Monday to Friday

Further information on our policy

If you have any other questions regarding our Event Insurance policy, 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. 

More information on what we can cover on this policy can be found on our FAQs page.