Event Insurance by Event People

Event Cancellation insurance UK covers your unavoidable financial loss that arises when circumstances beyond your control mean you have no choice but to cancel your event. For example, your Event Cancellation insurance would step in if it was too windy for your marquees to be used safely, or your keynote speaker was delayed due to travel disruption.

The standard wording for Event Cancellation insurance covers you for the cancellation, abandonment, interruption, curtailment, postponement and relocation of your event. The Event Cancellation insurance policy operates with a base amount of cover, whereby everything that is NOT excluded is covered (provided there is an unavoidable causation beyond your control). For example, you can purchase exclusions back into your Event Cancellation insurance quote, such as Adverse Weather, National Mourning, Terrorism, Civil Commotion, Non-appearance of an artist, and more.

In summary, the Event Cancellation insurance quote can be tailored to fit your needs, whether it’s a one off event insurance quote or a multiple event insurance quote. Get in touch with one of our Experts to discuss the most suitable Event Cancellation insurance for your event.

Circumstances beyond your control can arise at any time, impacting your event and putting your business at risk. Event Cancellation insurance provides peace of mind. If your event is cancelled due to unforeseen circumstances, your Event Cancellation insurance will cover the cost of unavoidable financial losses.

Yes! One off event insurance is our bread and butter. You can purchase one off event insurance very easily by completing our online form (which takes roughly 3 minutes). You will have the option to purchase Public Liability insurance for your one off event, along with the Event Cancellation insurance, Property Damage insurance and events insurance Employers Liability. Our experts are on hand to help, if you would prefer to chat to them about your one off event insurance.

Public liability insurance for events UK will cover your costs should a member of the public get injured, die, or have their personal belongings damaged and/or stolen at your event. These costs could include legal fees, or compensation awarded to the injured individual by the courts, which your Public Liability insurance for events will pay for.

Public Liability insurance covers you if someone is injured at your event. Unfortunately, accidents can happen – and whilst you focus on making your event enjoyable, safe, and successful, Public Liability insurance for events will protect you if compensation or legal fees need to be paid.

You can purchase Public Liability insurance for a one off event, or for multiple events throughout the year.

Whilst Public Liability insurance for events is not a legal requirement, many venues and local authorities will not grant you permission to run your event without it (check your venue hire agreement!). Even if you’re organising a private event, taking out a Public Liability insurance for your event is vital to protect yourself against unexpected costs e.g. legal fees in the event that you are sued by a member of the public covered by the event Public Liability insurance policy.

Employers’ Liability insurance for events will cover your costs should a member of your staff get injured or ill whilst working for you at your event. These costs could include legal fees, or compensation awarded to the injured or ill individual by the courts. Although many event organisers do not have permanent full-time staff, your Employers’ Liability insurance for events also covers freelancers, volunteers, and part-time staff.

Remember, even if the injury or illness was not your fault, you may still need to prove this in a court of law… and lawyers are expensive!

If you are employing staff, freelancers, casual workers, or volunteers at your event, then you are required by law to have Employers’ Liability insurance for your event.

Property Damage insurance covers you in case property and/or equipment that you own or hire is accidentally damaged or lost during the course of your event. Some companies refer to Property Damage insurance as “hired-in plant insurance”.

If you own any property or equipment and are using this for an event, we recommend purchasing Property Damage insurance to protect against any unforeseen damage or loss – as accidents can happen! Many events will also hire equipment such as sound systems, lighting, generators, plant machinery, or marquees. In most cases, your supplier of this equipment will require you to purchase Property Damage insurance to insure the equipment or property against accidental damage or loss. 

Simply click here, fill in some questions (usually around 10 questions which takes approximately 3 minutes), and review your event insurance UK quote. You can pay straight away online, or generate an invoice to send to someone else. Your event insurance cover will start automatically from the selected start date. Occasionally, your event may be slightly more unique or complex, in which case your quote will ‘refer’. This is because we will likely need to take a closer look at it and ask you a few further questions before releasing your event insurance quote.

We will send you a copy of your event insurance policy documents by email, and you can access these event insurance documents whenever you like by logging in to your Vento dashboard online.

We offer event insurance for pretty much every type of event out there! There is a dropdown list of all our event ‘types’ within the quote form – 274 in total. If your event type is not in this list please contact us directly so we can put together a more personalised event insurance quote for you.

Unfortunately, due to the impact of the recent pandemic, there is no available insurance for your event to cover the loss caused by transmissible disease.

The cost of Public liability insurance for your event starts at £50 per event, but this number is influenced by the answers you give when building your quote – such as the duration of your event and also the number of attendees.

Employers’ Liability insurance starts from £25, and is dependent on the number of employees you have working for you at your event. Employees count as anyone working under your direction or control at your event.

Property Damage insurance prices range from 0.25%-0.35% of the value of the property you are covering, depending on the length of your event. If you purchase Property Damage insurance for your event alongside Event Cancellation insurance for your event, you are entitled to £25,000 worth of free property damage insurance for your event.

Yes, you have a 14-day cooling off period. This means you have the ability to cancel your event insurance with a full refund should you change your mind (assuming no claims have been made).

Once 14 days have passed, there are further opportunities to get a full or partial refund which are detailed in your event insurance policy contract.

In the case of most Event Cancellation insurance policies, you can get a full refund if you cancel the Event Cancellation insurance policy 90 days or more prior to your event. Even if you cancel within the 90-day period, there remains an opportunity to recover a proportion of your premium.

For Public Liability insurance, Employers Liability insurance, Property Damage insurance, and Money insurance policies, a full refund can be claimed right up until the day before your event set up begins.

Please refer to your event insurance policy documents which clearly indicate who to contact.

Please contact us through the chat feature by clicking the button at the bottom right of your screen. We have dedicated support staff to help with any queries you may have on your event insurance. If you prefer email, please contact us at info@ventoinsurance.com.

We recommend buying your Event Cancellation insurance as far in advance of your event as possible (before the point at which you start spending money on your event) as this gives you the opportunity to protect yourself from the unknown. For larger events, this could be up to one year in advance – but for smaller events, three months may be appropriate. Please note that Event Cancellation insurance must be purchased before 14 days of the event start date, at latest. 

Event Public Liability insurance must begin before event attendees arrive at the site, but bear in mind it must also be in place if non-attendees are accessing your event location while you are there – for example, those helping with the set up, or the general public in a public park. It is sensible to arrange your event Public Liability insurance policy at least 3 months before your event.

You should purchase your event Employers’ Liability insurance before the point at which your staff start working on your event. If you have permanent staff, your policy should cover your business all year round.

Your venue’s Public Liability insurance will cover injuries or losses as a result of their actions only. It does not cover such instances as a result of your acts, errors or omissions. For this reason, most venues will require hirers to have their own event Public Liability insurance.

As a side note, venues do not typically have Event Cancellation insurance that applies to a hirer’s event.

Yes, we offer short period multi event insurance policies which can cover a number of events over a specified time period. If this is of interest, please get in touch with the Vento team as this will need to be organised offline. 

Yes, we can organise an annual policy for Events related clients. This can be tailored to cover your business as well as your events, predominantly for Public Liability, Employers Liability and Property Damage insurance. If this is of interest, please get in touch with the Vento team as this will need to be organised offline. 

With Event Cancellation insurance, you can either cover your costs and expenses OR your revenue. The Event Cancellation insurance cost is calculated on a percentage of the amount that you choose to cover. As a guide, Event Cancellation insurance costs between 0.5-3.5% of the total revenue or total costs of your event, depending on your type of event and the Event Cancellation insurance cover you would like to buy.