Let's cut to the chase: if you're charging admission, you need insurance. Here's what matters.
Public Liability Insurance
This is non-negotiable. If someone trips over a cable, slips on a wet floor, or gets injured at your event, public liability insurance covers the claim.
Minimum cover: £5 million is standard. Some venues require £10 million.
Cost: For a small event (under 500 people), expect £80-200 for a single day.
UK Event Insurance Providers
Here are reputable providers offering event public liability insurance in the UK:
| Provider | Cover Available | Starting From |
|---|---|---|
| Hiscox | Up to £10m | Quote online |
| Protectivity | Up to £10m | Quote online |
| Event Insurance Services | Up to £5m | Quote online |
| Insure Our Event | Various | From £25 |
| Simply Business | Up to £10m | ~£5.64/month |
| CMTIA | £5m or £10m | £69/year or £31/day |
Tip: Get quotes from at least 2-3 providers. Prices vary significantly for the same cover level.
If you're an insurance provider and want to be included on this list, contact media@ticketbaron.com.
Cancellation Insurance
This covers you if you have to cancel due to circumstances outside your control:
- Severe weather
- Venue becomes unavailable
- Key performer illness
- Government restrictions
Important: Read the exclusions carefully. Many policies don't cover pandemics anymore.
Employer's Liability
If you have anyone working for you – even volunteers in some cases – you may need employer's liability insurance. This is a legal requirement if you employ staff.
What Venues Require
Most venues will ask for:
- Proof of public liability insurance (certificate)
- Named as an interested party on your policy
- Minimum cover amount (usually £5-10m)
Get this sorted early. Don't leave it until the week before.
Our Recommendation
For small to medium events:
- Always get public liability – no exceptions
- Consider cancellation cover if your costs are significant
- Check your venue's requirements before booking
- Keep certificates accessible – you'll need to show them
Quick Cost Guide
| Event Size | Public Liability | Cancellation |
|---|---|---|
| Under 100 | £60-100 | £50-150 |
| 100-500 | £100-200 | £150-400 |
| 500-1000 | £200-400 | £400-800 |
Prices vary by event type, venue, and activities. Get quotes.
Questions about insurance requirements? Get in touch – we're happy to help.