Event Insurance
Peace of mind for organisers with Public Liability included as standard and optional Cancellation cover.
Our Event Insurance policy is designed to protect event organisers from the associated risks of the industry. We can provide you with a personalised quote that covers a range of activities.
Insurance overview
Whether it’s a community gathering, sports day or agricultural show, event organisers face a number of risks, from cancellation and theft of money, to liability for injury to the public and damage to property. Event Insurance can help to protect you from these risks.
Our policy includes a standard level of cover for all types of events with the flexibility to tailor it to specific occassions.
You can’t anticipate everything when organising an event but with our insurance you can feel confident that there is someone looking out for you and every possibility.
What's included as standard:
- Money and Assault - protects your money against loss or theft at your event, and whilst you take it to the bank. It also covers you and your employees, aged 16 to 70, if you or they are assaulted at your event.
- Public and Product Liability - damages arising from injury to the public or damage to their property, cover up to £2.5 million.
Additional covers you can choose:
- Cancellation - costs and charges resulting from the cancellation of your event, that can’t be recovered.
- Property Damage - loss or damage to property at your event and in transit to or from the venue.
- Employers' Liability - damages arising from injury and illness to employees, up to £10 million as standard.
- Group Personal Accident - accidents resulting in the inability to work. We provide a lump sum of £5,000. Or, if the disability is temporary, we provide £50 a week.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
Important documents
Frequently asked questions
If you’re an event planner you’ll understand the unpredictable nature of your profession. Things can go wrong: people fall over tables, music acts fail to show up, or the coach breaks down when sports teams are travelling to your venue. These situations and many more could lead to loss of money or even legal action against you.
With our Event Insurance we protect you against the worst that can happen meaning you can focus on creating events that excite your guests and allow you more freedom to experiment with something a little different. All your best laid plans will be more likely to succeed and you’ll also be a more attractive proposition to those looking for event organisers who have everything covered.
If we offered you the same fixed price for every event you organise then we’d be doing you an injustice. When calculating the costs of your Event Insurance we’ll consider a number of factors such as the duration of the event, where it’s taking place and how many people are attending.
For example, events involving agricultural machinery are likely to be riskier than those where the only equipment is trestle tables and some chairs. Talk to us, let’s look at your event and we’ll give you a quote that is fair and comprehensive.
You need to be covered against as many eventualities as possible. This requires Event Public Liability Insurance and Event Cancellation Insurance as well as specific insurance that covers loss of money or assaults on site that will be no fault of your own but can happen. You need to be covered for any employees who may be working on site. And it’s also important to have Property Insurance in case damage takes place.
Our policy covers you for Public Liability and Money and Assault as a standard. On top of that you can choose to get cover for other scenarios such as cancellation, property damage, employers’ liability and group personal accident.
As we’ve explained, every event is different and the cost of Public Liability Insurance will differ for every one-off event. Our experts can talk you through the issues and factors involved so you can make the right choice for your Event Insurance.
Even when your event has the best intentions and aims to do good, the legal issues are no different. That means you’ll need the same level of insurance as any other event.
Let’s talk about the wedding you’re planning: where is it taking place, how many guests will be there and what entertainment are you providing? It’s factors such as these that will ultimately determine the overall cost of your insurance.
The advantage of getting Event Insurance from us is that we make it human and personal, considering the factors involved closely so that you’re not paying for things you don’t need or missing important elements that give you crucial coverage. After talking, we’ll then deliver a quote that is fair and understandable for your event.
Outdoor weddings should be joyous occasions. However, they can offer a lot of challenges for those tasked with organising them, for example on farms. Other summer events involving sports or music are also hugely popular and can provide crucial income to land owners.
Our Events Insurance covers single events and those running over multiple days to ease your worries and help you concentrate on putting on the best show possible.