Events

There are so many things out of your control, including weather, ticket sales and even the behaviour of your attendees. With the right insurance, you can safeguard yourself if things don't go to plan - allowing you to run your event with confidence.

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Who should consider Events protection?

Events insurance is usually taken out by professionals in the hospitality or entertainment industry.

Event managers and coordinators. Event promoters and organisers. Sound and lighting operators. Stage managers

Any individual or company holding an event should consider the cover that events insurance can offer. Events can include concerts, exhibitions, festivals, fundraisers, theatre productions, trade shows, dance parties or corporate functions.

What can it cover?

Events insurance can protect you and your company from the various risks you're exposed to when conducting an event. Without insurance, such a claim could threaten your assets. Depending on your policy, event insurance can cover

Event (public) liability

Liability if a third party issues a claim for personal injury or property damage.

Venue and equipment damage

Covers venue and equipment damage during the event.

Cancellation of the event due to weather

Covers losses arising as a result of an event being cancelled due to weather conditions.

Cancellation, abandonment or nonappearance

Cover for abandonment or non-appearance of a performer.

Voluntary workers personal accident

Cover for defined out-of-pocket expenses if an accident results in the injury or death of a volunteer for the volunteers working at the event.

Case Study

Scenario: A charity organised its annual fundraising dinner to be held at a local hall. The charity arranged for catering through a third-party company, and invested in quality decorations. The day of the event, a storm hit, damaging the roof of the hall and ruining the decorations — and the event had to be cancelled.

Outcome: Tickets were refunded, but the charity was out-of-pocket for the cost of the decorations and catering. However, because they had taken out event insurance, their policy covered these costs.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

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