One-Off Event Insurance

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.  

No, our Event Insurance policy does not offer any cover for cyber related incidents or data loss.  

You can add up to £50,000 worth of cover, depending on your requirements.

We are only able to provide cover for events taking place within the United Kingdom.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.  

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.

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.  

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. 

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.  

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.  

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). 

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.  

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.  

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.  

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.

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.

On our Multi Event Insurance policy, we can only cover events up to eight days in duration, including set-up and set-down.

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.

We are only able to provide cover for events taking place within the United Kingdom.

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.

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.

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.

No, the liability insurance on this policy does not include liability arising from any products you sell on your stall.

We provide cover for up to 14 days under our Single Event Stallholder Insurance policy (including set-up and set-down).

The event you are attending must be within the United Kingdom and must have suitable entertainment licencing (if applicable) to allow the event to take place. You are also not permitted to operate any pyrotechnical devices or projectile equipment, such as but not limited to foam cannons.

No, this policy excludes claims to claims within your equipment cover for damage to equipment caused by electrical or mechanical failure.

No, our Performers insurance is only designed to provide you cover for one event lasting no longer than 14 consecutive days.

Yes, our Performers and Entertainers Insurance policy will protect your equipment during an event and whilst in transit to and from an event. We include equipment cover from £2500 and up to £50,000 from damage, loss and theft.

No, this policy is designed to cover individual entertainers performing at an event. 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.

Our single event Performers Insurance policy will protect you for up to 14 consecutive days at one event.

If you operate a catering business from home, your home insurance likely won’t cover business activities, so you’ll need separate catering insurance to ensure you’re adequately covered.

No, our standard insurance for catering businesses will cover you.

Allergic reactions would typically fall under your product liability coverage. However, you must take all reasonable precautions to prevent such incidents, including proper food labelling and cross-contamination prevention. Failure to do so could invalidate your coverage.

Yes as long as these temporary staff members are labour only subcontractors or employees. If they are bona fide subcontractors, then there is no cover for these individuals, you will need to ensure they have their own insurance.

There is no insurance on our product for loss of cost and expenses or expected revenue for cancelling a catering job.

Yes, our insurance for caters covers against damage as part of the public liability insurance included in the policy.

Yes, as long as you are not just serving alcohol. This would need to be alongside a primary function of serving food.

Yes, food poisoning claims are typically covered under product liability insurance. This protects you if a client becomes ill from food you’ve prepared or served. However, you must maintain proper food safety standards to ensure your coverage remains valid.

Yes, we offer comprehensive liability insurance for mobile caterers. However equipment and vehicles are not covered in this policy.

No, there is no cover for equipment in this policy. This is cover for liability insurance only, with optional commercial legal protection.