Despite the best of intentions, and meticulous planning, things can go wrong such as bad weather, damage to the building / location where the event is being held, personal injury to organisers or attendees, or behavioural issues during the event.

You can reduce and relieve that stress by organising appropriate Event Insurance – it’s a smart and wise thing to do and can save you a lot of potential hassles if things beyond your control eventuate.

Who should consider Event Insurance?

  • If you are a company organising a one-off, semi-regular or annual event.
  • Professional event managers and coordinators.
  • Promoters and organisers.
  • Audio Visual operators.
  • Stage production managers / companies.

Events, by their nature, come in many formats and range from:

  • Breakfast / lunch / dinner gatherings
  • Expos
  • Conferences
  • Product launches / briefings
  • Networking functions
  • Fundraising function
  • Fairs / Shows
  • Festivals
  • Concerts
  • Carnivals
  • Retreat / camp / workshop
  • Parties
  • Weddings
  • Sports competitions / match or game day.

There are many factors to consider with your insurance and it’s important you seek professional guidance to ensure you have adequate and appropriate cover.

As you may be aware, policies vary and it’s important that you purchase exactly what you need.

So, some key areas to think about in relation to Event Insurance include:

Public liabilities

When you hire a venue, most places will want to see evidence that you have sufficient liability cover for property damage or bodily injury.

In many instances, a limit will be specified but, if not, you will need to determine whether your risks are low or high.  We’ll provide our experience and knowledge to guide you so you can make an informed decision.

Most policies will provide liability cover:

  • To pay for accidental Property Damage to the venue, or to any property that does not belong to you.
  • To pay for compensation for accidental Personal Injury to attendees or the public.
  • Legal costs to defend a claim.

Contractors / Sub-contractors

Not all event insurance policies will cover liabilities for contractors or sub-contractors you hire – such as caterers, Master of Ceremonies, sound, lighting, entertainers, security etc.

If you require this cover, we can arrange it for you.

Cancellations or rescheduled events

If you require this specific protection for situations where an event may be cancelled, postponed and rescheduled, a separate quote can be provided.

Event participation but you are not the organiser

If you are not the event organiser but involved in an event as a stallholder, exhibitor, entertainer, supplier or service provider, we can offer protection for individuals, or small businesses, for event-related activities.

Common Event Insurance exclusions

It’s important to be aware of some common exclusions from policies such as:

  • Amusement rides.
  • Inflatable activities like jumping castles and slides.
  • Petting zoos / animals.
  • Pyrotechnics.
  • Participation injuries of attendees in any activity at your event.

While these activities are high risk and are often excluded, we have extensive insurance networks and can place difficult risks, so please let us know and we’ll do our best to find a solution for you.

Make an Enquiry

With Maxton Insurance Brokers