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Protecting event management professionals with public liability insurance from under £55* per year
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Get a QuoteOur standard cover is:
Event organiser insurance exists because you sell the one product that gathers strangers, temporary structures and tight schedules in the same room. When a guest trips over a cable run, a stand collapses at an exhibition, or a venue’s floor is ruined during the load-out, the claim finds the organiser, and the venue’s booking terms assumed you were insured before you signed them.
Professional Saver covers event organisers and planners from £55* a year, with public liability at the core and products liability, legal expenses and financial loss cover included as standard. Quote online in five minutes; the certificate the venue asked for downloads the same day.
Public liability insurance is the spine of event organiser insurance, because everything about events multiplies public liability risk: more people, unfamiliar spaces, temporary staging, catering, weather. Public liability insurance covers compensation and legal costs when a member of the public is injured or property is damaged through your business activities at an event, with £1 million of cover as standard and options up to £10 million. Venues and councils usually name the limit they require, £2 million and £5 million being the common asks, and they check the certificate before confirming the date.
Products liability insurance comes as standard too, and events use it more than organisers expect: merchandise sold, food and drink supplied, goody bags handed out. If something you supplied causes injury or damage, that claim lands on the products side.
Whether you call yourself an event organiser or an event planner, the covers read the same. Equipment cover protects the AV kit, staging, signage and tech that travel with your events, through our business contents and equipment cover with a £100 excess. Employers’ liability joins the policy when you take on staff, and event businesses should describe their crew arrangements honestly at quote stage, because temporary staff and regular volunteers can count as employees for insurance purposes.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
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The venue contract says so. Practically every venue hire agreement requires proof of public liability insurance at a stated level before the booking stands. No certificate, no date, and the certificate has a deadline attached. This is the single most common reason organisers arrive here.
Crowds are unpredictable by design. You can risk-assess the cable runs and still have a guest dance into the buffet table. One personal injury or property damage claim, with compensation and both sides’ legal costs, can exceed the margin on a year of events. The insurance converts that tail risk into a fixed annual cost.
The schedule amplifies everything. Load-in and load-out are the claim factories of the events world: heavy kit, tight time, borrowed space. Damage to a venue’s property during the get-out is a classic public liability claim, and when you make a claim, it’s covered.
If you organise events for a living, an annual policy beats insuring event by event: one premium from £55* a year, one certificate that works for every venue, and no gap where a claim can land between policies. Specialist insurance for single dates exists, the wedding of a friend, a one-off fundraiser, and if that’s genuinely you, single-event insurance policies may fit better. For working organisers and planners, annual insurance for event organisers is the efficient answer, and it’s the one this page is about.
If event cancellation cover matters to your business model, deposits at risk, non-refundable supplier costs, raise it when you get your quote so the cover conversation matches the real exposure; cancellation is the specialist end of event insurance and worth scoping honestly rather than assuming.
Every policy includes public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then choose the type of cover your events need:
From £55* a year for the base business insurance policy. The price moves with the level of public liability cover your venues require, the scale and type of events you run, equipment values and your claims history. A workshop organiser filling meeting rooms sits at the affordable end; a festival organiser is a different conversation, and the quote reflects the difference honestly. Get a quote online, itemised in about five minutes, with monthly instalments available.
Every event booking reaches the same line in the paperwork: proof of insurance, at our required level, by this date. Get an event organiser insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and send the certificate back before the venue sends the reminder.
* Total number of live policies as of 31/10/2025
From only£55per year From only£55per year From only£55per year 
From only£55per year From only£55per year From only£55per year Not by statute (employers’ liability aside, once you have staff), but the practical rule is stricter: venues, councils and licensing conditions demand proof of public liability cover, and events don’t happen without venues. Treat the certificate as part of the booking paperwork, because the venue does.
The venue or council usually answers this for you: £2 million is a common floor, £5 million routine for larger spaces and public land, £10 million for major venues. Check the hire agreement before you quote and buy to the highest number your calendar needs, because one certificate at the right level covers every booking.
Yes; stands, exhibitions and trade shows are classic event organiser territory, and the organiser’s public liability sits alongside the venue’s and the exhibitors’ own cover. If you also build stands or supply exhibition kit, say so at quote stage so the equipment and products sides match the work.
This is an employers’ liability question, and the answer depends on working arrangements rather than labels: people working under your direction can count as employees for insurance purposes, volunteers included in many setups. Describe the crew model when you quote; it’s a two-minute answer that prevents the worst kind of surprise.
Event cancellation is the specialist end of the events market and it’s priced per event and per risk. Our policy carries the liability side, which is what venues require; if your deposits and supplier commitments make cancellation cover essential, tell us when you quote and we’ll scope what fits rather than leave you assuming.
