Event Organiser Insurance Options and Policies Explained

Event organiser insurance is a must-have for anyone hosting events, as it protects against unforeseen circumstances that can disrupt or even cancel an event.

Accidents can happen at any time, which is why event organiser insurance often includes liability cover to protect against accidents and injuries to attendees.

Event cancellation insurance is also a crucial aspect of event organiser insurance, covering costs associated with cancelling or postponing an event due to unforeseen circumstances.

Having a solid event organiser insurance policy in place can give you peace of mind and financial security, so you can focus on delivering a successful event.

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Event organisers need insurance because you can't plan for every possible mishap, no matter how perfect your event planning is. Despite your best efforts, accidents can still happen.

You need to ensure that your event has cover for any loss of property, damage, injuries, death, or incidents that may occur. This includes unexpected situations that can leave you with hefty costs and potential lawsuits.

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Having the right type of insurance for your event is crucial to protecting yourself and your business. It's essential to have appropriate cover in place, just in case disaster strikes.

Mishaps can happen at any event, regardless of its size. Whether it's a small gathering or a large festival, insurance can help you recover from unexpected incidents.

Event insurance is tailored to your specific needs, so no two policies are alike. We offer two types of insurance policies for events: short period liability cover for individual events or a multi-event series.

Public liability insurance is a common type of event insurance, protecting you and others hosting or running the event in case of accidents or injuries. Employers liability insurance is also essential for event organisers who have staff working for them.

Event cancellation insurance can provide financial protection if your event is cancelled or postponed due to unforeseen circumstances. Equipment cover is another important type of insurance, protecting your valuable equipment from damage or loss.

As an event organiser, it's crucial to research and choose the right type of insurance for your event, considering factors such as venue size, attendees, and the type of event you're hosting.

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You can arrange insurance for most types of events through Aon, including award functions, gala dinners, and annual general meetings.

Insurance is not a mandatory requirement for events, but some clients or venues may require you to hold Public Liability insurance before commencing work.

Aon can help you find the right insurance cover for your event.

You can make a claim by contacting Aon's Entertainment team on 1800 806 584 or [email protected].

Aon offers premium funding options, including monthly payments, which can be arranged through their team.

If your business circumstances have changed, you can contact Aon's experienced brokers on 1800 810 282 to discuss your policy.

Your renewal offer, schedule, and tax invoice will be emailed to you approximately 30 days before your renewal date.

If you haven't received your certificate of currency or renewal offer/documents, contact Aon on 1800 810 282 or [email protected] and they'll send them to you as soon as possible.

Aon's opening hours are 8.30 a.m. to 5.00 p.m., Monday to Friday (except public holidays), but you can email them outside of hours and they'll respond on the next business day.

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You may still feel you need insurance to cover you for potential injuries, damage or unforeseen cancellation, no matter the scale of your event.

Even if your venue and suppliers have cover, it could prove costly to rely on the insurance of others, and you may have to pay defence and settlement costs yourself.

There are numerous associated risks in events, such as flooding preventing you from reaching the event with crucial equipment, which could cause postponement, relocation or abandonment.

An accident could result in a guest filing a liability claim, or you might need to fund expensive tech kit replacements after irreparable water damage.

Insurance can provide welcome back up, whether you need short period cover to meet the requirements of individual events, or an annual policy.

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Event organiser insurance is a specialist policy that safeguards events against a range of risks.

It's a collection of cover types built into a single policy, tailored to the specific needs of each event organiser.

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Event insurance can provide financial protection from risks such as a guest becoming injured by a falling roller banner.

Public liability insurance can assist with legal costs, expenses, and resulting compensation.

A well-tailored event policy can help with repairs or replacements of damaged equipment, such as a mobile communication system.

Insurance offers the cover to put your mind at rest, so you can focus on planning your event.

With over 30 years' experience, Hiscox has insured all types of events, giving you peace of mind that you're in good hands.

David J Miller Insurance Brokers is another option, with a specialist team that can give you a quote over the phone in just a few minutes.

When selecting an insurance provider, look for expert knowledge and understanding of the challenges facing event organisers, such as being members of leading event industry associations like AEO, ABPCO, IAPCO, and MIA.

You can also consider the provider's experience in providing cover for diverse events of all sizes, both in the UK and internationally.

Some insurance providers, like Hiscox, can even tailor policies specifically for the circumstances, allowing you to build insurance cover for a multi-event series under one policy to save you both time and money.

David J Miller Insurance Brokers have over 70 years of experience providing customized insurance solutions. They've been around for a long time and have seen it all.

They specialize in events insurance and have a team of experts who can give you a quote over the phone in just a few minutes. This means you can get the insurance you need quickly and easily.

David J Miller Brokers have insured over 350,000 events and organizations each year, showing their stability and reliability. You can trust them to have your back.

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They can also help you understand the different types of event organiser insurance and which incidents you might need protecting for. This will give you total peace of mind throughout your entire event.

When choosing an insurance provider, it's essential to consider the specific needs of your event. You can start by looking into various insurance policies, such as Annual Event Insurance, Event Cancellation Insurance, and Event Equipment Insurance.

If you're hosting a large event, you'll need to ensure you have adequate coverage. For events with less than 12,000 attendees, liability insurance is a must.

Here are some related programs to consider:

These programs can provide peace of mind and financial protection in case something goes wrong. Be sure to research and compare different options to find the best fit for your event.