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Christmas event insurance
Christmas event insurance can help protect you against the risks involved in organising a Christmas or festive event. Cover can include public liability, employers’ liability, event equipment and cancellation insurance.
Who is Christmas event insurance for?
Christmas event insurance can be arranged for commercial event organisers, town or parish councils, charities, clubs and associations, schools, churches and community groups, businesses and private individuals organising one-day, one-off or short period Christmas events such as:
Christmas market insurance is available for organisers of seasonal markets and fairs involving stalls, traders, food, entertainment and other festive activities.
Christmas fair insurance can cover community and seasonal events involving games, activities, stalls, food and family attractions.
Insurance is available where a large or public Christmas tree forms part of a temporary festive display or event.
Cover is available for Santa’s grottos, meet Santa experiences and other temporary Christmas attractions.
Winter wonderland insurance is available for larger public festive attractions involving entertainment, activities, traders, food or retail areas.
Christmas concert insurance can cover carol services, festive concerts, performances and seasonal shows.
Insurance is available for individuals, choirs, churches, community groups and other organisations arranging carol singing performances or events.
Christmas party insurance can cover office parties, corporate functions and private celebrations or functions held at hired venues.
New Year party insurance is available for countdown events, parties and other late-night New Year celebrations.
Separate or additional cover may be required where a Christmas or New Year event includes fireworks. Find out more about our firework display insurance .
Christmas lights insurance
Christmas lights insurance can be arranged for public light displays and Christmas lights switch-on events. Light displays and events can be fun, but they can also involve specific risks. Crowds, temporary lighting, electrical equipment and outdoor installations can all lead to accidents, damage or other problems if something goes wrong.
Light displays are often organised by town and parish councils, charities, community groups, churches and businesses. These can include town and village Christmas lights, Christmas light switch-on events, community light displays, illuminated attractions and Christmas tree displays.
The cost of longer-term Christmas light displays will depend on the duration of display.
COVERS
What does Christmas event insurance cover?
Christmas event insurance can combine several types of cover depending on your event and the risks you want to insure. The main options are public liability insurance, employers’ liability insurance, event equipment insurance and event cancellation insurance.
Public liability insurance
Can cover your legal liability if a member of the public is injured or third-party property is damaged in connection with your Christmas event.
We can arrange cover from £1 million to £10 million, with higher limits available where needed for larger public events or where required by contract. Venues, landowners and local authorities often require evidence of insurance before allowing an event to proceed.
Employers’ liability insurance
Can cover your legal liability if an employee is injured or becomes ill as a result of their work at your event.
When arranging cover, tell us about everyone working at the event including permanent and temporary employees, stewards and marshals, casual event workers, volunteers and unpaid helpers, and anyone working under your direction or control.
Event equipment insurance
Can cover event equipment you own, hire or lease against insured risks such as accidental damage, loss or theft. This might include staging, decorations, crowd barriers, sound and lighting equipment, generators, marquees and other temporary structures used at the event.
Event cancellation insurance
Can cover certain irrecoverable costs and expenses or loss of revenue if your Christmas event is cancelled, postponed, interrupted or abandoned for an insured reason.
Adverse weather cover can also be included if required.
How much does Christmas event insurance cost?
Quote explained
This starting price is based on:
This is an actual quotation arranged through David J Miller Insurance Brokers and underwritten by Bspoke Underwriting Ltd on behalf of Accelerant Insurance UK Limited dated 4 September 2026. Your premium will be calculated based on the details of your event and the cover selected, so the price you receive may be higher than the example shown.
Factors that can affect the premium include the total attendance throughout the entire duration of the event, the public liability limit of indemnity and the duration of the event. Adding employers’ liability, event equipment or cancellation cover can also increase the premium.
How
to get
a quote
You can call us, fill in our online form, or ask us to call you back, whatever suits you best.
Read more about the different ways to get in touch, what information we will need from you and FAQs about getting an event insurance quote.
Why is Christmas event insurance important?
Christmas events can involve large crowds, winter weather conditions, decorations, temporary lighting, temporary structures, catering, performers and hired equipment which can all create risks for an organiser. Outdoor Christmas events also face seasonal risks from wind, rain, snow, ice and poor ground conditions. These can affect temporary structures, electrical installations, access routes and whether an event can proceed safely. Insurance does not replace good event management, but it can provide financial protection against claims and losses if something goes wrong.
Why
choose
us
Specialist event insurance with direct support from a UK-based team
Read MoreChristmas event insurance FAQs
Answers to common questions about Christmas event insurance.
What insurance do I need for a Christmas event?
The insurance you need depends on the event and the risks involved. Christmas event organisers usually buy public liability insurance and employers’ liability insurance. Event equipment and cancellation cover can be added if required.
Do I need public liability insurance for a Christmas event?
Public liability insurance is not generally required by law simply because you are organising a Christmas event. However, a venue, council, landowner or other organisation may require it as a condition of allowing the event to take place.
How much public liability insurance do I need for a Christmas event?
There is no single public liability limit that applies to every Christmas event. The amount you choose should reflect the risk and any contractual requirement imposed by the venue, landowner or local authority. Limits of £5 million or £10 million are sometimes stipulated by some organisations, so check the event agreement before arranging cover.
Do I need employers’ liability insurance for staff or volunteers at a Christmas event?
Employers’ liability insurance is compulsory for most employers in the UK, subject to statutory exemptions. Arrangements involving volunteers and unpaid helpers can differ, so tell us who will work at the event and how they are engaged.
Can I insure a Christmas light switch-on?
Yes, we can arrange Christmas lights switch-on insurance. This can include public liability, employers’ liability, equipment and cancellation cover if required.
Can I arrange insurance for a one-day Christmas event?
Yes, Christmas event insurance can be arranged for one day and one-off events as well as events running over several days or weeks. Setup and dismantling periods may also need to be included where cover is required during those times. If you organise multiple events, a different policy structure may be more appropriate.
When should I arrange Christmas event insurance?
Arrange insurance once your event plans are sufficiently established and preferably before committing to non-refundable expenditure. This matters if you need cancellation or adverse-weather cover. Arranging cover early can protect you against unexpected problems that could disrupt, postpone or cancel the event.
Does Christmas event insurance cover cancellation because of bad weather?
It can, if adverse weather is included as an insured cause in your policy. Do not assume that bad weather cover is automatically included. If you need protection against bad weather, especially for outdoor events, tell us when arranging the insurance.