Public Liability for One-Off Events from only £40

Our range of policies offer comprehensive protection to individuals and organisations that are hosting a one-off event or attending as a stallholder. We include Public Liability for One-Off Events which will protect you if a third party makes a claim against you for causing physical injury or damage to their property.

Additional cover like Employers’ Liability, Event Cancellation and Abandonment, Non-Attendance of Key Speakers or Performers and Equipment Cover can also be added to your policy.

We can cover a large range of events from fetes, festivals and parties to community fun days, with a maximum event duration of 15 days. If you organise multiple events throughout the year then our annual Event Insurance policy could save you money when protecting up to 45 events a year.

Protectivity’s One-Off Event Insurance is designed to ensure that any unforeseen incidents are taken care of by us, allowing you to concentrate on delivering the event you planned as smoothly as possible. 

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Why choose Protectivity?

25+ Years Experience

We have been providing insurance for over 25 years and are passionate about providing complete, tailored cover to meet your needs. Our highly experienced UK call team are also on hand to help you if required.

Expert Claims Handlers

Should you need to make a claim our skilled UK based claims team will ensure you are dealt with in the most sympathetic, efficient and professional way possible. 

Instant Quotes & Cover

Whether you are looking for one day public liability insurance or something that spans multiple days we can provide you a competitive quote instantly.

Underwritten by Experts

Our One-Off Event policy is underwritten by UK General who are experts in consumer and commercial insurance.

What will your Insurance Cover?

There are four broad sections of our policy, providing you with cover in varying ways, whether you are organising a community fund day or a musical performance. Public Liability comes as standard, but each of the remaining three benefits can be added or altered to suit your needs.

Public Liability

We can provide either £1m, £2m or £5m worth of Public Liability insurance for events. This will protect you should a member of the public suffer an injury or cause accidental damage to a third-party’s property and blame you as the event organiser for the incident.

Employers' Liability

If you have any helpers, volunteers or employees at your event (unless they’re sub-contractors with their own Public Liability), you must take out Employers’ Liability. £5 Million Employers’ Liability can be added to your policy at a small additional cost.

Equipment Cover

This provides you with cover against accidental damage, loss or theft of equipment owned by you, or for which you are legally liable for (e.g. leased out or hired), whilst at, or in transit to, the event. Up to £20,000 of Event Equipment cover is available. 

Event Cancellation

If you are forced to cancel your event, we can provide up to £10,000 worth of protection should adverse weather or the non-attendance of a key individual mean you are unable to continue with your event as planned.

 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

However well you set up your event, accidents do happen. And when things go pear-shaped we’re committed to dealing with it in the best manner for you. The vast majority of our customers who have unfortunately had to claim have been delighted with the manner in which we handled their situation.

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Frequently Asked Questions

Q. Is there a limit to how long my event can go on for?

A. We can provide cover for events lasting up to 15 days in duration.

If you organise multiple events throughout the year, take a look at our annual Event Insurance policy as you may be able to get covered for less.

Q. My event takes place next week, can you still cover it?

A. Yes we can offer cover for an event even in the week it is happening.

Please note that for any events taking place within seven days, there will be no Cancellation Cover. However, if you have obtained your quote prior to the seven day cut-off but have purchased subsequently, then Cancellation Cover will be included.

Q. What is included under ‘Event Equipment Cover’?

A. This benefit provides cover for the items owned, hired or leased to you and used for the sole purpose of the event.

Covering accidental damage, loss and theft the policy provides up to £2,000 worth of cover for each item. Equipment covered under this policy includes marquees, tents, stagings, machinery, generators and other ancillary items such as merchandise and lighting.

Q. What constitutes ‘Adverse Weather’?

A. 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.

Q. Are there any activity types that you are not able to cover?

A. Yes we have a list of ‘Dangerous 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.

Further information on our policy

If you have any other questions regarding our One-Off 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.