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Event organiser insurance
Event organiser insurance can help protect individuals, businesses and organisations against claims and financial losses arising from planning and running events. Cover can include public liability, employers’ liability, event equipment and cancellation insurance.
Who is event organiser insurance for?
Event organiser insurance is for anyone responsible for arranging and running an event, whether you’re a business, charity, club, association, community group or individual.
This includes professional event organisers running festivals, concerts and sporting events, local committees organising community fêtes and clubs arranging their annual events.
Why is event organiser insurance important?
As an event organiser, you have responsibilities for the health and safety of people attending and working at your event. Accidents can happen, resulting in injuries to members of the public, employees or volunteers, as well as damage to third-party property. Events can also be cancelled or disrupted, and equipment can be damaged, lost or stolen. Having the right insurance in place can help protect you against claims and financial losses connected with your event.
COVERS
What does event organiser insurance cover?
Event organiser 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 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 seating, staging, decorations, crowd barriers, sound and lighting equipment, generators, marquees and other temporary structures used at your event.
Event cancellation insurance
Can cover certain irrecoverable costs and expenses or loss of revenue if your event is cancelled, postponed, interrupted or abandoned for an insured reason.
Adverse weather cover can also be included if required.
How much does event organiser insurance cost?
What is this price 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 19 October 2026. Your premium will be calculated based on the details of your event and the cover you choose, 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.
What should you check when arranging event organiser insurance?
Don’t confuse insurance for your profession as an event organiser with insurance for the events you organise. Some insurance policies cover your professional services and liabilities arising from that work, but don’t automatically cover the events themselves. Make sure your insurance covers the actual events too, not just your work as an organiser.
How to get an event insurance quote
You can call us, complete our online form, or ask us to call you back. Choose whichever option suits you best.
Find out how to contact us, what information we will need and what to expect when requesting a quote.
Why choose Event Insurance Direct?
Specialist event insurance with direct support from a UK-based team
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Event organiser insurance FAQs
Answers to common questions about insurance for event organisers.
Does event organiser insurance cover everyone involved in running my event?
No, event organiser insurance doesn’t automatically cover everyone involved in your event. Depending on the insurance you’ve arranged, employees and volunteers can be covered, but stallholders, exhibitors, contractors and suppliers will normally need their own insurance for the work or activities they’re carrying out.
Am I responsible for checking that contractors have their own insurance?
As the event organiser, you should check that contractors have insurance for the work they’re carrying out at your event. This might include caterers, security companies and staging contractors. Ask for evidence of their insurance and make sure it covers the work they’ve been hired to do. Don’t assume they’re covered by your event organiser insurance.
Can I use my existing business insurance to organise an event?
Your existing business insurance might cover you when organising an event, but don’t assume it does. Ask your broker or insurer to confirm whether your business policy covers the event you’re organising. If your existing policy doesn’t cover it, you’ll need to arrange separate event organiser insurance.
Who should arrange the insurance when an event is organised by a committee or community group?
The committee or community group should agree who will arrange the insurance and make sure the policy is in the correct name. This is particularly important for informal groups and unincorporated associations, as committee or group members could be personally liable for certain claims. You should check that committee or group members are covered where necessary.