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Water-based event insurance
Water-based event insurance can provide cover for organisers of events taking place on or in the water.
Insurance can be arranged for a range of water sports events and other activities, depending on what the event involves.
Cover can include public liability, employers’ liability, event equipment and cancellation insurance for a one-off event or multiple events throughout the year.
Who is water-based event insurance for?
Cover can be arranged for individuals, clubs, associations, charities and businesses organising events on or in the water, including raft races, dragon boat races, rowing competitions, swimming events, triathlons and other water sports events.
COVERS
What does water-based event insurance cover?
Water-based 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 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 water-based event 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?
Before arranging your insurance, check that the policy covers the location and activities planned for your event.
Some policies exclude activities taking place in open water, such as the sea. There could also be exclusions for bodily injury or death arising from physical contact or a challenge during sporting or competitive activities.
Check whether the policy requires any particular safety arrangements to be in place. If you’re unsure how an exclusion or condition affects your event, ask for clarification before arranging cover.
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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