Event organiser insurance
Join over 1,100 event organisers like you with PL cover from £3.49 per month*
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Rated 4.7/5
Based on 39,770 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need event organiser insurance?
From an exclusive professional meet-up to a big outdoor event, clients hire you to create unforgettable experiences. Despite every to-do list and your eye for detail, things can go wrong, especially where the public are involved. Keep your focus on the project with solid event organiser insurance in place.
- protect yourself against hard-hitting claims due to accidents or mistakes
- cover what you need, from your employees to your phone and laptop
- enjoy peace of mind, knowing legal and medical costs are covered
What does event organisers insurance cover?
We’ll tailor your insurance around the kind of events business you’re running. Whether you work mainly outdoors or on the corporate side of things, public liability insurance will be key. We’ll set you up with this, plus cover for other specifics like your employees, laptop and personal accidents.
Public liability insurance
In case someone is injured or their property gets damaged, because of your events business.
Employers’ liability insurance
In case something happens to an employee while they’re working for your events business.
Professional indemnity insurance
In case you’ve made a mistake or your events business hasn’t met the expected standards.
Business and office equipment insurance
In case something happens to equipment like your laptop.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
Public liability insurance
In case someone is injured or their property gets damaged, because of your events business.
What’s typically covered by public liability insurance for events organisers?
Claims against your business for:
- damage to someone’s property, because of your work
- an injury caused by your business activities
- accidental damage or injury caused by your employee, if you have one
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
For example:
- while setting up an event, a member of staff trips over a cable you've just plugged in
- you accidentally knock an expensive vase off a side table, when visiting your client’s home
What you’ll need additional cover for
- cover for the event itself, including cancellations and risks to your attendees – you’ll need specialist event insurance for this
Read more about public liability insurance
Employers’ liability insurance
In case something happens to an employee while they’re working for your events business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an employee suing because they get injured or fall ill as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your employee injures their back while carrying heavy boxes from a lorry to the event setup
- an assistant trips over some cables you’ve laid for an event and breaks their ankle
Professional indemnity insurance
In case you’ve made a mistake or your events business hasn’t met the expected standards.
What’s typically covered by professional indemnity insurance for an event organiser?
Claims against your business for professional negligence or breach of contract which causes your client a financial loss, including:
- advice you’ve given which turns out to be incorrect
- errors in your work which cost your client money
For example:
- your pre-event planning has committed the project to a specific budget, but costs have overrun, causing the client a financial loss
- you recommend a supplier to your client but the contract falls through at the last minute, costing your client money
Read more about professional indemnity insurance
Business and office equipment insurance
In case something happens to equipment like your laptop.
What’s typically covered by business and office equipment insurance?
- theft of the equipment you use to run your business (operational equipment, not tools of the trade)
- accidental loss of your equipment
- flood, fire or accidental damage
For example:
- your AV equipment is stolen from your business premises during a break-in
- a guest speaker spills a drink over your laptop during a planning meeting, causing water damage
Read more about business and office equipment insurance
Legal expenses insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
- legal costs associated with day-to-day operations, like an employee dispute
- property damage, nuisance or trespass and associated legal costs
- HMRC, tax and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline and crisis PR support to help you protect your reputation, as a professional event organiser
For example:
- you’re selected at random for investigation by HMRC. A few enquiries come up for the business, as well as a personal enquiry for you and a director
- an employee makes a claim against you for unfair dismissal, and you need to defend your legal rights
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
What’s typically covered by personal accident insurance?
- injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
- lost income, hospital bills or other medical costs associated with the accident
For example:
- while handing out delegate packs, you trip and break your ankle, forcing you to take time off work
- your assistant, who you’ve covered in your policy, shuts their hand in the car door, breaking a finger
Read more about personal accident insurance
How much does event organiser insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
Example event organiser insurance quotes, real prices
£9.50 /month
£74.97 /year
Local events organiser for children's parties, weddings and drinks receptions (250 attendee limit)
- 1-2 years' experience
- Sole trader
- No employees
- Based in Kent
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
Not included
£357.72 /month
£3179.76 /year
National events organiser for conferences and seminars (250 attendee limit)
- 5+ years' experience
- Limited company
- 5 employees
- Based in London
Public liability
£5,000,000
Employers’ liability
£10,000,000
Professional indemnity
£2,000,000
How we work out example quotes These examples are real quotes from our online system (created 27/08/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does event organiser insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does event organiser insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider public liability insurance for events or exhibition designer?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
Chosen by 900,000 small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
Based on 39,770 reviews
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Event organisers insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about event organisers insurance. You can also check out our business insurance FAQs.
Despite best efforts and lots of experience, accidents do happen. Public liability insurance is usually an important cover for event organisers, and can protect you if someone is injured or property gets damaged while the event is being designed and planned.
If you’re giving advice or offering professional services to your client, professional indemnity insurance can also be a vital cover. Employers’ liability insurance is a legal requirement if you employ anyone, even in your own home – and failing to take out the right cover can often result in heavy fines.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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