Event Liability Insurance – Your Essential Party Favour

Event liability insurance is designed to cover unforeseen mishaps, offering financial protection and peace of mind to event organisers, sponsors, and venue owners.

With this cover, you can be sure that your event will be all party, no pooper. You’ll be insured for third-party bodily injury or property damage occurring at your event (i.e. public liability) and financial responsibilities arising as a result of the use of any products sold at your event (i.e. products liability).

Beyond these basics, you can add policy extensions to ensure you can keep the party going.

Bodily Injuries

Accidents or injuries sustained by attendees during the event.

Property Damage

Damage to the venue or surrounding property caused by event activities.

Food or Beverage Issues

Illness or injury resulting from the consumption of food or beverages served at the event.

Collapse of Temporary Structures

Damage to tents, stages, or other temporary structures used for the event.

Fire Hazards

Bodily injuries or property damage caused by the spread of fire due to negligence.

Wrongful Arrest or Defamation

Legal issues arising from wrongful arrest, false imprisonment, or defamatory statements made during the event.

Product Liability

Issues related to products sold or distributed at the event, like merch or promotional items.

Statutory Violations

Legal complications arising from alleged breaches of statutes or regulations related to event organisation.

Medical Emergencies

Emergency medical expenses for attendees who require medical attention due to accidents or injuries during the event.

Do You Really Need Event Liability Insurance?

Yes, you do.

Under the Safety at Sports and Recreational Events Act of 2010(SASREA), the people who are responsible for organising the event or providing the venue or funding are financially responsible for any liability that arises from that event.

Essentially, if you play a role in orchestrating the event, you are accountable for the physical well-being and safety of your guests.

It's important to note that assigning blame is not a factor here. Whether you’re the organiser, venue owner or sponsor, you will be collectively and individually responsible for damages. To put it simply, if one party can’t pay up, the others will need to step in and cover the liability shortfall.

What’s in it For You?

Your goal is to craft incredible events, but there are plenty of curveballs to catch when planning parties. Event liability insurance gives you a multitude of benefits:

Financial Protection

No one wants unexpected bills raining on their parade. With event liability insurance, you're covered for medical expenses, property hiccups, legal and other stuff that might crop up as a result of your event. So you can focus on creating magic without worrying about unexpected costs.

Credibility

Clients love your events, not just for the glam but because you're on top of your game. Having event liability insurance screams reliability. Clients feel all warm and fuzzy knowing you've got a plan for the unexpected. That's a guaranteed ticket to more bookings.

Legal Compliance

The Safety at Sports and Recreational Events Act of 2010 requires certain event organisers, sponsors and venue owners to have insurance for certain events. With event liability insurance, you're ticking those legal boxes without breaking a sweat. Safety first, legal stuff sorted – you're the responsible party planner everyone loves! Business Continuity and Growth We get it, you want your party planning empire to be unstoppable. Event liability insurance ensures that a little hiccup won't sideline your dreams. Keep the confetti coming because growth becomes the name of the game when your business is financially protected.

Business Continuity and Growth

We get it, you want your party planning empire to be unstoppable. Event liability insurance ensures that a little hiccup won't sideline your dreams. Keep the confetti coming because growth becomes the name of the game when your business is financially protected.

Big, Small, You Can Cover Them All

Music Festivals

Multi-day events where attendees are accommodated and entertained.

Conferences

Business gatherings with presentations, workshops, and networking sessions.

Weddings

Celebrations involving ceremonies, receptions, and other various wedding-related activities.

Sporting Events

Matches, tournaments or sports-related gatherings that attract spectators.

Food Festivals

Events focused on culinary experiences with food vendors and tastings.

Charity Events

Fundraising events with auctions, dinners, and entertainment to support a cause.

Trade Shows

Exhibitions where businesses showcase products, and services to potential clients.

Concerts

Musical performances held in open-air venues, parks, or stadiums.

Community Festivals

Local events celebrating community spirit with activities, performances, and vendors.

What Isn’t Covered By Event Liability Insurance?

While event liability insurance protects you from many party poopers, there are things it doesn’t cover.

Firstly, no political drama coverage here – if you're orchestrating a rally, you're on your own. Also, if you've got a fireworks expert in the house, event liability insurance probably won’t pay out if things go 'boom'.

Jumping castles and inflatables bring the fun, but they also bring their own set of risks and event liability insurance likely won't bounce into action for inflatable accidents – that's a whole other ball game.

Adrenaline-pumping events that feature bungee jumping or other extreme sports are thrilling, but they probably won’t be covered by your policy either. You’ll also have to foot the bill for weather-driven cancellations.