Join over 1,100 event organisers like you with PL cover from £3.49 per month*
Get tailored quotes in 7 minutes
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.
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.
In case someone is injured or their property gets damaged, because of your events business.
Claims against your business for:
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case something happens to an employee while they’re working for your events business.
Claims against your business for:
**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:
In case you’ve made a mistake or your events business hasn’t met the expected standards.
Claims against your business for professional negligence or breach of contract which causes your client a financial loss, including:
For example:
Read more about professional indemnity insurance
In case something happens to equipment like your laptop.
For example:
Read more about business and office equipment insurance
In case you’re faced with legal costs from running your business.
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
For example:
Read more about personal accident insurance
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.
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.
£9.50 /month
£74.97 /year
Local events organiser for children's parties, weddings and drinks receptions (250 attendee limit)
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)
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.
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.
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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?
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.
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?
If you provide other services, make sure you’re covered:
Other types of insurance
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.
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
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.
83% of claims were settled in 2023
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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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:
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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