Putting an event together for a small or large group can be a lot of hard work. After all the energy and effort you and your team put in to delivering an exceptional experience, you don’t want to be in the unfortunate position of being out of pocket if something doesn’t go according to plan.
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.
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:
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:
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.
If you require this specific protection for situations where an event may be cancelled, postponed and rescheduled, a separate quote can be provided.
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.
It’s important to be aware of some common exclusions from policies such as:
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.