“From standard theatre productions where access to the bar and toilets at interval seem to be the main concern, to green field music festivals where just getting the audience into the area is fraught with difficulties, the risk assessment coming from a crowd management plan is essential.”
Live Performance Australia, Audience and Crowd Management Hazard Guide, 2018
What is Event Insurance?
Whether you’ve organised a one-off corporate function or a large- scale festival, you’ll know just how stressful arranging an event can be. There are so many things out of your control, including weather, ticket sales and even the behaviour of your attendees.
That’s why you should help protect yourself and your business with a tailored events insurance policy. With the right insurance, you can safeguard yourself if things don’t go to plan – allowing you to run your event with confidence.
Who Should Consider Insurance?
Events insurance is usually taken out by professionals in the hospitality or entertainment industry, such as:
Event managers and coordinators
Event promoters and organisers
Sound and lighting operators
However, any individual or company holding an event should consider the cover that events insurance can offer. Events can include concerts, exhibitions, festivals, fundraisers, theatre
productions, trade shows, dance parties or corporate functions.
What Usually Isn't Covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. Policies generally won’t include cover for:
High risk activities
Injury to participants in sports and content
Improper set up
What Can Insurance Cover?
Events insurance can protect you and your company from the various risks you’re exposed to when conducting an event. Without insurance, such a claim could threaten your assets. Depending on your policy, event insurance can covered:
Event (public) liability
Venue & Equipment damages
Cancellation of the even due to weather
Cancellation, abandonment or nonappearance
Voluntary workers personal accidental