Frequently Asked Questions

You should arrange event insurance as early as possible, particularly as many venues will require a copy of your Public Liability Insurance certificate. Your insurance premium must be paid before the event takes place, so we’d never recommend trying to insure your event last-minute.

Insure Our Event cover all finances relating to the event; this could be the cost of fixing or replacing damaged equipment which has been hired, or it could be covering the compensation costs if someone were to fall. 

However, our policies cannot cover no-shows or if the event is cancelled due to a COVID-19 outbreak.

Our policy will cover you for the whole event process – from set-up to get-out. You could also seek cover for the planning and organising stages if required.

You should tell your insurer or broker as soon as possible about any changes in the information you originally gave. If you don’t, your policy could be invalid.

Our premiums start from around £50. The cost of event insurance is dependent on the risk you present, and the level of cover you require. If you want to discuss this further, please give our team a call.

Yes – money paid prior to arranging insurance will be covered, though check your Policy Wording for terms.

Event insurance is recommended rather than a legal requirement. However, Public Liability is often taken out to meet the requirements of many venues and/or local authorities.

Underinsurance is inadequate insurance coverage. Let’s say your financial losses total £5 million but you’ve only got cover for £2 million. You would be classed as underinsured and there would be a penalty for this. Make sure you always have the right level of insurance for your event and, if in doubt, contact our expert team.

You have a legal responsibility to keep your volunteers safe. Your Insure Our Event Employers’ Liability Insurance includes volunteers under the term ‘employees’.  

Yes, you can. Please see our Additional Covers section for more information.

It might be tempting to apologise or admit responsibility, but you should be careful this does not invalidate your insurance policy. In any circumstance which could give rise to a claim, you must make no admission of liability or offer of payment.

Yes. If a member of the public trips or has an accident as a direct result of a stallholder’s negligence, they will be liable (rather than the venue or overall event organiser). Therefore, they will need their own insurance cover.

Unfortunately not, as there will always be subjective reasoning as to why an event is not successful. Event Cancellation cover is only applicable if an event is forced to be cancelled or postponed due to circumstances outside of the event organiser’s control. 

Event insurance will not cover cancellation on the grounds of a guest not attending due to illness or death. – (For example, a birthday or wedding guest’s death would not be covered.)

If the hired entertainment cannot attend because of their illness or death, then we may be able to cover this cost. 

If you have additional Terrorism Insurance, you will be covered. Though attacks are highly unlikely, we recommend including this cover for peace of mind.

You can insure any equipment that is owned, borrowed or hired (apart from mobile phones and jewellery).

Yes. If you hire an item that subsequently gets damaged and you don’t have insurance, you’ll have to pay for the repair or replacement yourself.

This depends on your Policy Wording. Reinstatement means your equipment will be replaced with a brand new item that is equal to the original damaged item. Indemnity cover means your equipment will be replaced with an item of similar age / condition to the original damaged item. This basically means you’ll get an item of the same current value, rather than “as new”.

You’ll be able to insure any revenue from ticket sales and sponsorships. However, it’s hard to easily prove how much your event might have generated in donations and additional revenue. Unless your event has been running for several years, and you have documented and provable records of previous donation amounts, your insurance won’t cover estimated donation revenue.

This is the maximum amount your insurance will pay in relation to your event. To avoid underinsurance, you must make sure that the Sum Insured is sufficient to cover the cost of your event / equipment.

Your Sum Insured should be the total revenue or expenditure for your event.

Please refer to your individual Policy Wording for all restrictions and exclusions. It’s important to read these carefully. If you need any further information or would like to speak to an expert, don’t hesitate to get in touch.

You’ll only need to pay for your excess.