INSURING EVENTS FOROVER15YEARS!
Fete insurance
Fetes take place under variety of different names. Call them what you want – fete, fayre, family fun day, community, parish or even school fun days. These all bring together the local community for a day of fun for the kids.
Each year thousands of fetes take place up and down the country. They are usually organised by the goodwill of a committee. Our event insurance team help provide insurance protection for those committees and individuals should things go wrong.
Most fete organisers know the benefit of taking out a fete insurance policy. It is to protect them in the event of an incident occurring at the event.
We can provide fete public liability insurance to provide cover for injury or damage to third parties. Fetes are usually held on council property and as such £5 million public liability insurance would probably be required. A quick check with your local council will establish exactly what indemnity limit they require. You will also avoid any delays should you have to provide evidence of your fete insurance cover before being allowed to use the venue.
If you are making use of any volunteers, staff or any persons (whether paid or not) under your instruction throughout the fete you may need employers liability insurance. This protects you should a claim arise from injury to any person falling under this category.
COVERS
What does fete insurance cover?
Fete 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 fete 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.
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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