Event Insurance Coverage

If you are planning an event such as a wedding, convention, fete etc you might want to look at event insurance coverage to protect you in case of property damage, both at the event and travelling to and from it, cancellation, public and employers liability.

Some things that could happen to disrupt your event include:

fire to the venue or bad weather both of which may prevent the venue from being used
Industrial strike that prevents participants reaching the event
Threat of a terrorist attack that may restrict movement in the area of the venue or prevent people from reaching the venue
Injury to visitors at the event
Equipment needed for the event being stolen, either at the venue or while being transported
A disease outbreak such as flu or Foot and Mouth

Another problem that may occur is injury to a participant or employee that results in a legal action against the event organiser

All of the above problems will result in cancellation or disruption of the event which could cause financial loss. Good event insurance cover will cover these and more. Insurance policies can be tailored to your requirements and could also include cover in the case of a performer or key speaker not being able to attend, due to illness etc.

If you are a business you may already have a commercial liability policy but cover will probably not extend to venues away from your usual place of business. In this case you will need separate event insurance coverage. You will need to have insurance in place to cover employees and any temporary staff you may employ specifically for the event.

Property Insurance Coverage

You may need to cover property. both at the event and while being transported to and from the venue. You may need to cover electrical and computer equipment or other equipment depending on the nature of the event such as antiques or catering equipment. Cover should be for damage by accident or fire both at the venue and in transit

Expenses Coverage

Expenses may be incurred due to cancellation of the event from any of the aforementioned causes, postponement or relocation.

Best Insurance Coverage Information