Event Insurance Basics: What You Actually Need

Insurance feels complicated, but it doesn't have to be. Here's what you need to know.

The Must-Have: Public Liability

If you're running a ticketed event, you need public liability insurance. Full stop.

What it covers: Claims if someone gets injured at your event.

How much: £5 million minimum. Some venues require £10 million.

Cost: £60-200 for a small single-day event.

The Should-Have: Cancellation Cover

If you're spending significant money upfront (venue deposits, performer fees), consider cancellation insurance.

What it covers: Your costs if you have to cancel due to:

• Severe weather
• Venue problems
• Key performer illness

What it doesn't cover: Usually excludes pandemics and pre-existing conditions.

The Might-Need: Employer's Liability

Required if you employ anyone, including some volunteer situations.

What it covers: Claims from people working at your event.

When required: If you have employees (including casual staff).

Quick Checklist

Before your event, make sure you have:

• Public liability certificate (minimum £5m)
• Venue's insurance requirements confirmed
• Certificate uploaded to venue/council if required
• Risk assessment completed
• Emergency procedures documented

Where to Get Insurance

Recommended providers for small events:

• Hiscox – good online quote process
• Events Insurance – specialist, flexible policies
• PolicyBee – quick and straightforward

Get quotes from at least two providers. Prices vary significantly.

Common Mistakes

1. Leaving it too late – some policies need 14 days notice
2. Underestimating attendee numbers – be accurate
3. Not reading exclusions – know what's not covered
4. Forgetting to send certificates – venues need proof

Still Confused?

Watch the video above for a 3-minute explainer, or check our detailed insurance guide for more information.