Whether your event is a village fete or a music festival with 250,000 visitors, risk is present.

The Risks

The following have all happened to somebody, at some time:

• The venue may not be available due to damage by fire, storm etc.
• The failure of key utilities or equipment such as power, heating, lighting, sound, kitchens, toilets, fire safety equipment, all of which have the potential to make the venue unavailable
• Denial of access to the venue by emergency services
• Terrorism
• Adverse weather conditions disrupting air, sea and rail transport, or affecting outdoor activities
• Strikes causing disruption to scheduled airline or airport services, or other public transport
• Speakers or entertainers who fail to turn up due to illness, delays or other problems
• Outbreaks of infectious diseases leading to quarantine or restricted access
• Outbreaks of civil disorder, revolution, war etc. - This may also have indirect effects, for example by causing diversion of flights
• Unforeseen political events such as coups or disputes with other countries causing withdrawal of visa facilities or closure of borders
• Death of Head of State or a member of their family causing periods of official mourning
• Inability to leave the venue at the planned time, which might incur penalties
• European airspace closed by a volcanic eruption in Iceland - now who expected that?
• Damage to property - your own or that belonging to the venue
• Loss of reputation - it may be necessary to incur expenses in order to preserve the reputation of the event for next time
• Reduced attendance due to some unforeseen event or "critical mass" non attendance meaning so many people are prevented from getting to the event that it has to be abandoned
• In today's more litigious world, the real possibility that if someone gets injured at your event, or some property gets damage, that the injured party may take legal action against you.

There are other examples, and you may well have had difficult situations in your own events.

Event Assured Special Event

Event Assured Special Event is a flexible portfolio of the key insurances designed to meet the needs of organisers of a wide range of events from meetings and hospitality to celebrations, outdoor festivals, music events,The Big Lunch, and much more. Our current list includes over 180 different event types.

Key Features include:

• Choice of cover in the three key areas of risk in events - Cancellation/Disruption, Property Damage, and Liabilities
• Available to organisers in most parts of Europe and many countries outside Europe for events taking place almost anywhere in the world
• Choice of 3 currencies £, € and $
• Massive capacity - we can easily cover events with Revenue/Expenditure up to £10,000,000. Larger events take just a little longer.
• 24/7 call numbers for claims emergencies

Event Cancellation and Disruption

Key Features include:

• Wide definition of Disruption includes cancellation, curtailment, rearrangement including to another time or place
• Cover available on a full Revenue basis, which protects your projected profit
• Expenses-only cover saves money
• Extra Cover © provides valuable additional cover in key areas of additional expenses
• No inner limits
• No deductibles on event insurance cover
• Wider free terrorism cover included
• National mourning cover included in Europe
• Special Extensions include:
  • Adverse Weather cover for events outdoors or in temporary structures or marquees
  • Reduced Attendance
  • Non Appearance - Key Featured Persons
  • Multiple Non appearance - i.e. the non appearance of a number of persons from a defined group or category
  • Death or Serious Illness of Related Persons
  • Terrorism - a wide range of terrorism options is available including cover for threat or advice not to travel to a particular destination and disruption to air traffic control
  • National Mourning beyond the free cover

Event Property All Risks

This can cover almost anything from furniture to audio visual equipment and marquees, and even money.

Key Features include:

• Covers event property owned, borrowed or hired for the event
• Includes transit to, from and whilst at the event including loading and unloading
• Reinstatement "new for old" basis of cover
• Terrorism cover included
• Loss of hire charges cover up to 25% of the value for hired equipment

Event Liability Insurance 

Event Assured Special Event includes the same quality core wording as our stand alone liability cover, which provides some of the widest cover on the market.  

Key Features include:

• Public Liability cover up to £25 million
• Employers Liability £ 10 million
• Indemnity to directors and employees
• Contractual liability and indemnity to principal
• Liability for damage to venues
• Indemnity to venue owners or operators
• Employer's Liability is available Europe-wide