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Event public liability insurance
Event 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.
Public liability insurance for events can help protect you against compensation claims and the legal costs of defending them.
Who is event public liability insurance for?
Event public liability insurance is for anyone organising an event, whether you’re an individual, business, charity or community group. We can also arrange separate cover for stallholders, exhibitors and performers taking part.
Cover can be arranged for a one-off event or for multiple events throughout the year.
What types of events can be insured?
We can arrange public liability insurance for events of all sizes, from small village fetes and charity fundraisers to large festivals, concerts and sporting events.
How much public liability insurance do I need for an event?
The amount of public liability insurance you need will depend on the type of event you’re organising, the activities involved, the number of people attending and any requirements set by your venue or local authority.
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.
Some venues require a minimum of £5 million in public liability cover, so check their requirements before arranging your policy.
How much does event public liability insurance cost?
Event public liability insurance can start from £35.74 for a stallholder and from £40.72 for an event organiser, although the premium will depend on the type of event, the limit of indemnity, the number of people attending and the cover required.
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 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 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.
Why is event public liability insurance important?
Even with careful planning, accidents can happen at events. If someone is injured or their property is damaged and you’re held legally responsible, you could face a compensation claim. Public liability insurance can help cover compensation payments and legal costs.
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 public liability insurance FAQs
Answers to common questions about event public liability insurance.
Does my existing public liability insurance cover an event I’m organising?
It might, but don’t assume it does. Check with your existing insurer that your event is covered. If not, you might need separate event public liability insurance.
Why do I need public liability insurance for an event?
Public liability insurance isn’t normally a legal requirement, but it’s a good idea to have it in case someone makes a claim against you. Many venues and local authorities also require event organisers to have cover in place.
Does the venue’s public liability insurance cover my event?
Generally, no. The venue’s insurance normally covers its own responsibilities as the venue operator, but not yours as the event organiser. Check with the venue to see what insurance it provides and whether you need your own separate cover.
Do stallholders, exhibitors and contractors need their own public liability insurance?
Yes, they should normally have their own public liability insurance for the activities they carry out at your event. Your event insurance generally covers your responsibilities as the organiser, rather than the separate liabilities of stallholders, exhibitors and contractors.
Does event public liability insurance cover volunteers?
Yes, it can cover your liability if a volunteer injures someone or damages their property while helping at your event. However, you might need employers’ liability insurance to cover injuries to the volunteers themselves. Let us know if you have any volunteers helping at your event so we can check what cover you need.
What isn’t covered by event public liability insurance?
Event public liability insurance doesn’t normally cover injuries to employees, damage to your own equipment or losses if your event is cancelled. Some activities may also be excluded, so it’s important to check your policy to see what is and isn’t covered.
Does event public liability insurance cover setting up and taking down an event?
Yes, it can cover setting up and taking down your event, not just when the event is taking place. Be sure to include these dates when arranging your insurance.
Can I get public liability insurance if my event includes higher-risk activities?
Yes, you could still get public liability insurance for events involving higher-risk activities, although it will depend on what’s involved. Just let us know what activities you’re planning when you ask for a quote.
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