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Event Insurance

Event insurance is made for all businesses in the hospitality or entertainment industry, but it can be tailored to your specific needs.

What you need to know

  • An event insurance policy is ideal for anyone putting on a concert, exhibition, fundraiser, corporate function or one-off event.
  • Event insurance can protect you financially if someone gets injured, if you are accused of making a mistake and can cover you for cancellations and theft.

Event insurance tips for Australian businesses

public liability insurance

Public liability

Public liability insurance is crucial to protect you in case someone gets injured or has their property damaged on your property.

  • Essential

$60 to $111 per month on average.

employee

Professional indemnity

If you are an event manager, this type of cover is important to protect your liability whilst running events as a service for clients.

  • Essential

$60 to $111 per month on average

team

Management liability

If your event management business has a team then this type of cover can be important for your liability when it comes to managing the team e.g. Theft by employees.

  • Highly Recommended

$72 to $91 average monthly cost

Average cost refers to the majority of people (60%) in the industry from historical costs. Quote based on an Event’s Managing business with one owner and $100,000 annual turnover.

Taking out public liability insurance for events

If you work in event management, taking out public liability is a wise financial decision. Events can be crowded and all it takes is one thing to go wrong for you to find yourself the subject of an expensive lawsuit.

However, many insurance providers offer public liability and other insurance policies that are specifically designed for event managers. If you are legally liable for any injury or property damage suffered by a third party, these policies can provide the protection you need. In fact, some venues make it a mandatory requirement for event managers to have some form of liability cover in place before they can put on an event.

If a member of the public is injured at an event due to your negligence, public liability insurance for events will cover you. As well as legal and medical costs, this type of policy will also cover any compensation you are required to pay.

Finder survey: How often do Australians compare or switch their public liability insurance?

Response
I never compare or switch35.06%
once a year31.17%
every 2 yrs16.88%
once every 3+ yrs12.99%
more than once a year3.9%
Source: Finder survey by Pure Profile of 1112 Australians, December 2023

What types of events can public liability insurance cover?

Some of the following people and events can be covered:

  • Event promoters
  • Event project managers
  • Market organisers
  • Events such as concerts, conferences, parties, functions, sporting events, expos, cultural events, etc.
  • Dance and drama
  • Recording studios
  • Stage managers
  • Live workshops
  • Classes
  • Martial Arts and Contact Sport events

What types of insurance add-ons can I get for an event?

If you want to add extra coverage to your public liability insurance in order to tailor protection for your event, you have the flexibility to include the following additional options:

  • Event cancellation cover. If your event has to be cancelled, interrupted or postponed due to unforeseen circumstances, this policy option covers your expenses and lost revenue. For example, if you need to cancel a festival due to poor weather, this policy can provide cover.
  • Equipment cover. This option provides worldwide cover for event-related equipment such as sound and lighting, audiovisual, and entertainment and musical equipment. You can cover the relevant equipment while in use, in storage and in transit.
  • Voluntary workers cover. If the success of your event depends on the help and assistance provided by volunteer workers, this optional extra provides personal accident cover for those volunteers.

Do I need public liability insurance cover for events?

You might think that public liability insurance is an unnecessary expense, something that eats up money that could be better spent elsewhere.

By their very nature, events expose you to a wide range of risks — any event where you’re in close contact with members of the general public, especially in large numbers, increases your level of risk.

Even if you think you have eliminated all the possible risks, all it takes is a minor error or omission and you could find yourself in a difficult situation. A customer could slip and fall or machinery could malfunction and injure a passer-by.

If you think the money you’re required to pay for public liability insurance premiums is too much, think about how much a protracted legal battle might cost. What about if a court ruled that you had to pay hundreds of thousands of dollars in damages to a third party? Would you be able to continue trading?

In some parts of Australia, public liability insurance for events is required by some organisers. Similarly, some event venues will also make it a requirement for organisers to have cover in place to protect themselves from financial loss.

It’s possible to take out public liability insurance cover for a wide range of events including:

  • Food and wine festivals
  • Community fairs
  • Art exhibitions
  • Garden shows
  • Parades
  • Car shows
  • Concerts
  • Cultural festivals
  • Conferences
  • Sporting events.

What protection does public liability insurance provide?

Public liability insurance offers essential cover for a wide range of events, from flower and garden shows to music festivals and business conferences. The NSW Government’s Office of Fair Trading defines this cover as: “Insurance under which the insurer agrees to indemnify the insured for legal liability owed to another person who suffers loss or damage by reason of the insured's activities.” In other words, if your negligence causes injury or property damage to a third party, this type of cover protects you against any costs which may result.

Find out more about public liability insurance

Things to know when choosing public liability insurance for events

As mentioned above, public liability policies include a limit of indemnity. You can choose how much cover you want when taking out a policy, with typical limits including $5 million, $10 million and $20 million. It’s also a good idea to make sure you’re aware of any excess you might have to pay when making a claim, as this can obviously contribute to the overall cost of your insurance policy.

Just like with any other form of insurance, public liability policies also feature a range of exclusions. Fireworks or pyrotechnics are often excluded from cover, while claims relating to injury or property damage caused by amusement rides will also typically not be paid. In these cases, it may be necessary to sub-contract fireworks and amusement rides to reduce your risk. Make sure to read the fine print when taking out cover so that you know exactly what is and isn’t covered.

Finally, it’s also essential your event has been planned and designed in a way that minimises public risk. If deliberate neglect means your event is not a safe environment, your policy will be void.

Steps to manage an event properly and minimise risks

A crucial part of planning a successful event is ensuring you have effective strategies in place to minimise risk. A risk management plan is designed to identify all the potential risks your event is exposed to and then suggest how the organisers can lessen the likelihood of those risks occurring.

You’ll need to consider a range of issues when putting together a risk management plan including:

  • How many people will be attending the event?
  • Are there any inherent risks present at the event venue?
  • Will there be infrastructure brought onto the event site?
  • Will there be any moving vehicles on the event site?
  • Is there anything at the venue that could become dangerous in the event of inclement weather?

It’s also important to develop an evacuation an emergency plan. This will include determining who is responsible for ensuring a safe evacuation, as well as where to evacuate to and whether emergency services need to be notified of any possible risks in advance.

Planning and running an event exposes you to a wide range of unique risks. However, finding the right form of public liability insurance cover for your needs will ensure that you have adequate protection in place should something go wrong.

Talk to a broker about event insurance

Frequently asked questions

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  • Market Stall Insurance

    In order to find the right level of public liability cover assess the risks your business faces to determine just how much cover you need. Compare the benefits, limits and exclusions of a number of policies, while it’s also a good idea to obtain multiple quotes from competing insurers.

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4 Responses

    Default Gravatar
    JersonAugust 29, 2023

    Hi I am representing a non-profit association called Hobart Malayali Association INC. We would like to conduct an event for our community members. Conducting cultural programs and traditional feast. if you could suggest an option to get a policy it would be highly appreciate.
    Thank you.
    Regards
    Jerson

      AvatarFinder
      SarahSeptember 22, 2023Finder

      Hi Jerson, if you click “speak to a broker” at the top of the page, you can fill in your details and a specialist broker will be in touch to help you get a quote.

    Default Gravatar
    christineJuly 21, 2014

    My sons wedding is on 4th October 2014. To hire the Community Centre for the reception we need to have Public Liability Insurance. Around 80 guests, normal wedding reception anticipated, can you recommend someone?

      AvatarFinder
      WilliamJuly 24, 2014Finder

      Hi Christine,

      Thanks for your inquiry.

      You may submit your details via the form on the public liability insurance page. A business insurance broker will be in touch to discuss the different options available and provide you with a quote. This service is provided free of charge and there is absolutely no obligation to sign up for a policy. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      All the best,
      Will

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