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Event insurance
Protect your event; get insured today
Find bespoke event coverage
Ensure peace of mind with event insurance
Helping businesses with insurance for over 70 years
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We have a strong panel of insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
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We work with a range of insurers, from household names to small specialist insurers to find the best policy for your business.
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Complete the online question set or speak to one of our agents.
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What is event insurance?
Whether hosting a wedding, festival, or conference, event insurance protects organisers from financial losses due to various incidents that could arise. Supplier failures. Cancellations due to extreme weather disruptions. Damage to the host property. Without coverage, you could face on your own everything from loss of deposits to costly lawsuits.
Think of event insurance as a safety net. It’s peace of mind, where it ensures unforeseen setbacks don’t result in financial disaster. An investment in events insurance is a key step in mitigating risks and protecting not just investments, but also your business.
Benefits of insurance for events
- Financial protection against cancellations: Unexpected cancellations can result in significant financial losses. Event insurance helps recover prepaid expenses such as venue fees, catering costs, and supplier payments.
- Coverage for property damage: Accidents happen. This may cause damaged venues, furniture, or rental equipment at events. Events insurance stops you from paying out-of-pocket for repairing or replacing damaged property.
- Protection against injury claims: If an attendee or third party is injured during an event, public liability insurance for events covers legal fees, medical costs, and potential compensation claims.
- Vendor and supplier issues: If a key supplier fails to deliver services – think catering and staging – event insurance assists in recovering financial losses. You’re compensated for the disruption.
- Employee and volunteer safety: Events usually rely on staff and volunteers to run smoothly. Insurance covers medical expenses and compensation claims if someone is injured while working at the event.
- Reputation preserver: Well-insured events reassure everyone involved, including sponsors and stakeholders, that risks are responsibly managed. A strong insurance policy retains and builds trust for your brand.
What's covered with events insurance?
Public liability insurance
For events, this covers legal costs and compensation if an attendee is injured, or their property is damaged due to negligence. Essential for protection against costly lawsuits.
Event cancellation coverage
If an event is postponed or cancelled, this coverage reimburses lost deposits, ticket sales, and supplier costs. Covers cancellations relating to extreme weather, illness, and venue issues.
Employers' liability insurance
Covers compensation claims if employees or volunteers suffer injuries or illness while working at your event. This is required by law if you employ staff.
Equipment insurance
Protects against loss, theft, and accidental damage to essential event equipment. Whether owned or rented, this coverage stops you from being burdened with equipment repair or replacement costs.
Adverse weather insurance
Outdoor events are particularly at risk of weather-related disruptions. This coverage helps recover financial losses if severe conditions, such as storms, force event postponements, or cancellations.
Non-appearance insurance
It’s possible a key performer, speaker, or essential participant may cancel due to illness or unavoidable circumstances. Where speciality insurers allow, non-appearance insurance provides coverage that reimburses financial losses relating to reduced revenue.
How expensive is event insurance?
The cost of events insurance is dependent on numerous factors. These factors include event size, duration, location, and coverage level. Small private events might cost as little as £50. Large-scale festivals or corporate gatherings, on the other hand, can exceed £500.
High-risk events, including concerts and sporting competitions, generally require more extensive coverage. The result: increased premiums. Additional risks, from extreme weather to alcohol service, may further raise costs. For an accurate event insurance quote, organisers should assess specific risks and compare bespoke policies to gain the right level of protection at the right price.
Get event insurance quotes with Radius
Finding the right event insurance shouldn’t be complicated. Radius simplifies the process. We find bespoke coverage that fits your event’s needs. Whether you’re planning an intimate wedding or regular corporate functions, we connect you with competitive quotes from trusted insurers. Our expert team can assess your risks and find a policy which ensures financial protection against cancellations, liability claims, and other potential situations.
Whether it is only event public liability insurance or a full-service package, let us assist you in safeguarding your event. Get in touch today for a quick, no-obligation quote.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
Do I need public liability insurance for an event?
Do I need insurance for a charity event?
How do I get liability insurance for an event?
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UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.