What is Special Event insurance
Special events insurance provides financial cover for many unique types of one-off events, and one-day events. Insurance is necessary to protect your investments and to cover legal fees and compensation caused by liability claims.
Special events cover includes:
- Public liability insurance
- Event cancellation cover
- Employers’ liability cover (if you employ staff or volunteers)
- Equipment hire insurance
- Adverse weather cover (for outdoor events)
- Money cover
Each of these covers provide a specific protection which may likely be relevant for your special event.
You may also need special event insurance if your business is organising a one-off event. Events are often not fully covered by standard business insurance policies, and therefore special event insurance can provide an increase to a business’ public liability limits, necessary when running events. Adequate insurance for such events isn’t a legal requirement in the UK, but is highly recommended since event organisers can be held liable for injuries and damages.
How to know which insurance provider is right for my special event?
The best way to know which insurance provide is best for your event is to assess the quotation price and policy documents. Luckily, Insure Our Event have a free quote form which can be submitted instantly. The quotes are fully flexible, ideal for special events, allowing you to fully tailor your insurance.
Insure Our Event is ideal for special events, providing additional public liability insurance to businesses, but also providing the lowest limits of public liability cover for individuals. From small parties to large gathering, Insure Our Event is the most popular option for event insurance.
What types of events require special events insurance?
We’ve looked at our wide arrange of previous events we’ve insured, from the unusual to the unique, and have tried to pick out the individual one-off event we’ve successfully insured. It’s Insure Our Event’s one-of-a-kind flexible quotation system which allows us to deliver excellent terms across a broad range of events.
Street Party Insurance
Insurance is not legally required for a street party, however it is highly recommended by the council. Insure Our Event were the premier insurance broker for street parties during the Queen’s Jubilee and King’s Coronation. Street parties require public liability cover, as well as cover specific to the activities taking place.
Day Rave Insurance
Depending on the size and scale, day raves are often ticketed events and therefore require insurance. Outside or inside, a day rave may need adverse weather cover.
Garden Party Insurance
If you are hosting a garden party on private land you may want to purchase insurance to cover your costs. Catering hire and third party services will require insurance cover in case they cancel and you lose your deposit. Garden parties are likely to be affected by adverse weather, so consider purchasing this additional insurance cover.
Craft Beer Festivals Insurance
Craft beer festivals bring together the whole community. Ticketed events require liability insurance, and a beer festival is highly prone to spillages and damages through slips trips and falls.
Consider reviewing our risk management material.
Food and Drink Festivals Insurance
Similar to craft beer festivals, food and drink festivals will have many vendors. Check their documentation, third party insurance and liability cover before allowing them to cater your event. Have your public liability and employers’ liability in place and buy cancellation insurance in case the unexpected happens.
Micro Music Festivals Insurance
Music festivals are very popular and always draw a crowd. Micro music festival might hold 100 people or less and feature maybe one or a couple of bands. Ensure your musicians have performers insurance in place, which they can purchase here from Insure Our Event. Organisers should ensure they have equipment insurance in place to cover the cost of any instrument deposits or hired speaker systems.
End of year party insurance
End of the school year, planning a party for your family or colleagues can be stressful. Insurance takes away all that mental load worrying about finances as you know it’s protected if anything unexpected were to happen. Liability and cancellation insurance ensure your end of year party, ball or prom remain protected.
Proposal insurance
A proposal is one of the most important and memorable events. Many proposals feature large displays of love and hired equipment or performers. Insure your proposal with special event insurance from Insure Our Event.
Disco insurance
Be confident to run your own disco with special event insurance from Insure Our Event. Ticketed events require liability insurance – talk to your venue about risk adverse measure you could put in place to reduce the likelihood of a claim.
Anniversary insurance
Make sure this very special party is fully protected. Equipment or third party hire may require deposits which should be covered by our insurance. For guests, organisers will want liability insurance to protected against legal fees and compensation as a result of slips trips or falls. See our party insurance information to learn more.
Please see our Events Page for more examples of types of events we cover
How much should special event insurance cost?
At Insure Our Event, we offer cover for as low as £25. Cost varies depending on the expected capacity, size and scale of the event sand the location. The best way to compare special event insurance prices is by following our quote form.
