What Type Of Insurance Do Event Organisers Need?

Lightbulb - event organisers guide

As an event organiser, you tend to have a lot of different things to keep on top of. From choosing the right venue and best date for your event, to vetting and selecting suppliers, liaising with vendors and everything else that goes into running a successful event.

One of the things that should also be on your to-do list is to make sure you have the right insurance cover in place in case things don’t go quite as planned during your event.

However, you might feel confused about exactly what insurance you might need to adequately cover your event. That’s why we’ve outlined the different types of insurance event organisers might need below.

If you have any more questions about event insurance, please contact our team today.

Public Liability insurance

This is perhaps the most common form of insurance that is required by event organisers, as it can provide cover for claims made against you if a third party suffers property damage or accidental injury at your event.

No matter how much planning and preparation you do, accidents can unfortunately happen during events, so it is essential to be prepared for the unexpected.

For example, an attendee could trip over a wire near your PA system, or your staging could accidentally damage the floor of the venue. Public Liability insurance can provide peace of mind that, if a claim is made against you for damages related to these accidents, you will not be financially liable.

Learn more about Public Liability Insurance for Events.

Employers’ Liability insurance

As well as getting cover in place in case anything might happen to event attendees and members of the public, it can also be important to get cover for those working for you on the day.

Employers’ Liability insurance is a legal requirement if you have any employees, as it provides cover in case a member of staff makes a claim if they suffer an injury or illness because of their work.

In many cases, even if you only have volunteers working on your event for you then you may still be required to have an Employers’ Liability insurance policy in place.

Learn more about Employers’ Liability insurance.

Equipment Insurance

The value of the equipment that is needed for different events is likely to vary quite a bit depending on the type and size of the event.

For example, a local craft fair will not need to protect as much high-value audio visual equipment as a small music festival.

No matter the type of equipment you are using, you should consider protecting yourself against the financial repercussions if the equipment was lost, stolen or damaged.

Also, as many events hire specialist equipment in, it is important to get Equipment insurance that includes hired-in equipment.

Learn more about Equipment insurance.

Cancellation cover

Perhaps the most obvious reason an event organiser might suffer a financial loss is if they have to cancel the event.

This could lead to the loss of deposits you have paid for the venue and suppliers, as these can often be non-refundable.

Having event cancellation insurance in place means you can avoid being left out of pocket if the event is cancelled or postponed at short notice for unavoidable reasons such as adverse weather conditions.

One-off event insurance

Mode Insurance also offers One-Off Event Public Liability Insurance to protect creative freelancers and professionals when attending a one-off event.

FAQ’s

Why should event organisers consider insurance for their event?

Even with meticulous planning, unforeseen accidents can disrupt your event. Therefore, working to identify potential risks and being prepared for worst-case scenarios is important. Without proper insurance, you could face significant financial losses from expensive claims.

Event insurance acts as a protective shield, covering costs related to incidents such as public injuries or venue damage, allowing you to focus on your event without worrying about unexpected expenses.

 

How much is event insurance?

The price you pay for event insurance is often based on several factors, including:

  • The amount of attendees expected at the event, as a higher number of people increases the chances of accidents.
  • The type of event, as those involving higher risks like high-speed activities, heights, or water generally have higher insurance premiums due to the increased risk of accidents.
  • How long the event is running for, as longer events that span multiple days tend to have higher insurance costs compared to single-day events.

 

Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

 

Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

 

Is Public Liability insurance mandatory for events in the UK?

While not legally mandatory, many venues and organisations may require you to have public liability insurance to attend and work at the event, as it can protect against claims for injuries or damages occurring on the premises.

Any views or opinions expressed above are for guidance only and are expressed in generic terms. They are not intended as a substitute for readers taking appropriate professional advice relevant to individual circumstances.

Written by

Luke Glassford

Marketing Director

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