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Events Insurance

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.

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.

Who should consider Business Interruption protection?

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If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

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For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

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Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

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.

Advice when it matters. Advocacy when it counts.

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.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

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