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Christmas Event Insurance

Christmas party insurance will keep your event in good spirits

Christmas events range from huge occasions with thousands of attendees, to private parties fuelled by mulled wine and mince pies.

Organisers should not have to worry about accidents involving guests or equipment when handling the preparation of an event. Insurance with Insure Our Event will keep your finances protected.

Protect your Merry Little Christmas with Insure Our Event

Slipping on a mince pie or tripping over some fairy lights are very real risks – risks that require effective public liability insurance for your Christmas event. Employees and volunteers, such as Santa’s little helpers, will also need to be covered in case they make a claim against your business.

The winter weather brings uncertainty, and if it rains or snows your event could be forced to cancel. Our bad weather insurance will cover the cost of cancellation, including venue hire, equipment hire and catering costs. The level of your insurance will depend up the type of Christmas event you want to insure…

What types of Christmas event are included within our Christmas event insurance?

  • Christmas Party insurance
  • Christmas Festival insurance
  • Christmas Market insurance
  • Office Christmas Party insurance
  • Christmas Concert insurance
  • Santa’s Grotto insurance
  • Firework insurance
  • Christmas Carol Service Insurance

Our flexible Christmas event insurance policies are the best way to insure your event. Perfect for a wide range of Christmas festivities, any event organiser can benefit from Insure Our Event’s flexible Christmas insurance policies.

Insure Our Event are here to help party organisers put the right protection in place. We will assess your requirement and create a bespoke policy tailored to your event. See the cost of insuring your Christmas event by filling in our quick quote form.

Insure Our Event are experts in event insurance, with 20 years of experience in the sector. We have an in-house claims team who will provide information, checklists and guidance were the worst to happen. We treat every case individually, so by insuring with Insure Our Event, you can be sure you are getting the best of the best.

christmas event insurance

What Christmas Event Insurance covers:

  • Mandatory public liability cover for festive event organisers.
  • Employers’ liability insurance, cover if event employs staff or volunteers.
  • The cost of fixing or replacing damaged or stolen equipment which has been hired and you are legally responsible for.
  • Cover of expenses if your Christmas event is cancelled or postponed due to unforeseen circumstances such as bad weather conditions.
  • If the event is abandoned, cover the costs of hiring entertainment and equipment as well as venue and catering.

What Christmas Event Insurance does not cover:

  • If your guests don’t attend.
  • If you don’t get any customers.
  • If the suppliers fail.
  • Incidents or failures as a result of COVID-19.
  • Anything already insured under third-party policy agreement.

Risk management of your Christmas party or market is necessary to reduce the likelihood of a claim. Insure Our Event will provide information and guidance on safely running your event. For a quick test, see our Spot the risk test.

If you employ staff for your event or use volunteers, then having employers’ liability insurance in place is mandatory. Public liability insurance is required by councils for a street party. Many venues will require you to show proof of insurance before allowing you to go ahead with your Christmas event. Private parties do not require insurance, however it is highly recommended.

The only way to cover your finances when setting up a market is to take out insurance. Legal fees due to claims from staff or the public are expensive, and the costs of replacing stolen equipment are exorbitant. To keep your finances protected from any eventuality, Insure Our Event’s flexible insurance policies will cater to your requirements.

Public liability insurance is essential for large parties as they involve lots of risk. The best place to get effective public liability is at Insure Our Event. We offer low premiums on public liability cover, insuring you for £1 million, £2 million, £5 million or £10 million. Our flexible policies can be tailored to your event, taking into account your expected capacity, venue size, claims history, location and event type.

Stall holders are able to purchase their own insurance with us. As an event organiser, you should require your stall holders and any hired or third-party services such as musicians and entertainers to have their own insurance in place.

See our Stall holders and market stall insurance

See our Performers and entertainers insurance

Christmas Insurance options to consider…

Event Cancellation Insurance, Public Liability Insurance, Employers’ Liability

You could also include…

Event Equipment Insurance, Adverse Weather Insurance

*£25 premium is based on a party with up to 50 attendees and public liability cover of £1 million and excludes Employers Liability, Property, Money & Cancellation cover. Prices will vary dependent on event size and cover required. Complete our instant quote form for a tailored quote for your event.

Check out our Festive related articles

Christmas Calamities Quiz

Do you know your christmas event insurance policies? It can be difficult to understand what exactly is covered by insurance polices, where the limits are


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Insure Our Event is a specialist event insurance broker. We work with insurance companies to get you the best possible cover at the best price. Just let us know a few details about your event and we’ll do the rest.

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