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Employers' Liability insurance for events

What on earth is Employers’ Liability Insurance (ELI) for events?

If you have employees (including staff, volunteers and casual workers) and a member of your team gets injured, sick or dies whilst working for you at your event, you as the employer might get blamed. This is when Employers’ Liability insurance steps in.

What will Employers’ Liability insurance pay for?

Legal fees (lawyers are expensive!)

Compensation award by the courts (if the issue was work related)

How much should I be covered for?

In the UK, if you have at least 1 employee, the legal requirement is a minimum of £5m. However, most companies will always purchase £10m.

Is it a legal requirement?

Yes, if you have any employees. Employees count as anyone working under your direction or control (e.g. staff, volunteers, casual workers and freelancers).

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FAQs

What is Employers Liability insurance for events? What is Employers Liability insurance for events?

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!

Do I need Employers Liability insurance for my event? Do I need Employers Liability insurance for my event?

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.

Roughly how much will Employers Liability insurance for my event cost? Roughly how much will Employers Liability insurance for my event cost?

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.

What type of events do you offer event insurance for? What type of events do you offer event insurance for?

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.

Can I buy one off event insurance? Can I buy one off event insurance?

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.

How far in advance do I need to buy event Public Liability insurance and event Employers Liability insurance? How far in advance do I need to buy event Public Liability insurance and event Employers Liability insurance?

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.