For more on this part of the insurance industry:
Events insurance helps people and businesses that handle organised occasions where people gather for a specific purpose—often social, cultural or professional.
Here are some examples of events that can be covered:
These events form a huge part of the UK’s hospitality sector. Over 500 different event types are now regularly insured across the country through trusted providers.
In 2024, several UK festivals were cancelled due to severe weather. Organisers with event cancellation insurance recovered their costs, while others struggled with major financial losses.
With unpredictable conditions, festival insurance under the broader events insurance is now vital for protecting bookings, staff and equipment.
The Terrorism (Protection of Premises) Act 2025 now requires large venues to train staff for attacks, which increases demand for event liability insurance.
More weddings and business events in cities like London have raised the need for private event insurance. At the same time, insurers are using data tools to offer fairer and more accurate pricing.
Brokers must be aware of rising dangers in the UK events insurance sector too, including:
weather-related cancellations: heavy storms and flash floods are causing more cancelled insured events
rising event costs: inflation and energy prices increase underinsurance risks if coverage falls behind
cybersecurity threats: digital ticketing leaves organisers open to fraud without entertainment insurance
Sudden venue closures and public protests are adding new risks to planned events. Some public event insurance policies may not cover damage caused by unrest.
Brokers must review each client’s needs closely and suggest extra cover where needed. This helps make sure their coverage for event planners stays strong as hazards change.
Every organiser should start with public liability and event cancellation cover, as these handle the most common problems such as injuries, damage and last-minute cancellations.
Together, they shield against unexpected costs that could shut an event down or cause legal trouble. Other useful events insurance cover options include:
The right events insurance package depends on the size, type and risk level of each event. A broker can help tailor this based on venue rules, expected crowd and planned activities.
Anyone who plans, manages or hosts an event could be held responsible if things go wrong. Here are common groups who may need cover:
Even small, private gatherings may need special event insurance, especially if guests, staff or public spaces are involved.
Public liability protects organisers if someone gets hurt or something gets damaged during the event. It’s often required by venues and councils for outdoor activities.
Claims can come from accidents involving guests, staff or even nearby property. Having protection like the one-day event insurance with liability cover helps avoid costly legal trouble.
A guest trips over exposed cables and breaks a leg at a food festival. This is outside liability, as it involves third-party injury in a public setting.
The organiser may face injury claims and must cover legal and medical costs.
Yes, especially if it’s held in a hired venue or includes activities like inflatables or rides. Events insurance safeguards against injury claims and property damage.
Even small parties can carry risk if there are outside guests or equipment involved. Cover like party insurance can give peace of mind to parents and hosts.
This cover helps if an event is cancelled, postponed or changed due to unforeseen problems. It secures costs like:
Many organisers use this type of events insurance to guard against weather, supplier failure or illness before the day.
After the event, claims may still happen—for example, injuries or damage reported late. Extra venue insurance or public liability cover can help handle these issues safely.
