INSURING EVENTS FOROVER15YEARS!
Festival insurance
Festival 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.
Event cancellation insurance is particularly important for outdoor festivals. There are many reasons why your event might need to be cancelled or abandoned, including the great British weather.
Employers’ liability and event equipment insurance are also available.
Cover can be arranged for one-off or multiple festivals, including:
- Music festivals
- Beer festivals
- Food festivals
- Pride festivals
- Cultural festivals
- Religious festivals
Who is festival insurance for?
We can arrange cover for professional festival organisers, businesses, charities, clubs, community groups and individuals, including those organising large-scale music festivals.
Festival organisers are not the only people who might need insurance. Stallholders, exhibitors, food traders, bands, DJs and other performers might also need their own cover. The event organiser’s policy doesn’t normally cover their separate liabilities, so they should check whether they need their own insurance.
COVERS
What does festival insurance cover?
Festival 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 festival 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 before arranging insurance?
Organising a festival can be expensive, with money committed long before the event takes place. As many festivals are held outdoors, severe weather can be a particular concern. If your festival has to be cancelled or abandoned, you could lose a substantial amount of money.
Don’t leave event cancellation insurance until just before the festival. Cover normally starts from the date the policy begins, and something that forces you to cancel could happen well in advance.
Make sure your policy includes adverse weather cover if you need it, as this isn’t automatically included. You should also check that the amount insured reflects the full financial loss you want to protect against.
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
Why Choose Us