Events Insurance

From school fetes to international exhibitions, fireworks to festivals, you set the stage and we’ll make sure you are covered

At Towergate we know that no two events are ever the same so we work hard to create a bespoke policy that caters for your needs. Having a strong relationship with the insurers and an extensive range of policy add-ons means our team can help prepare you for as much as possible, even the English weather!

0344 892 1664
0344 892 1664 Weekdays 9am - 5pm
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Event insurance features

We aim to provide insurance for every type of event including corporate events, awards ceremonies, concerts, conferences and exhibitions. Speak to us about the event you are organising and our expert team will assist you in arranging the appropriate cover.

  • International events

  • Indoor and outdoor events

  • One-off events

  • Multi event schedules

  • Firework display insurance

Key features of our event insurance policy as standard:

  • Cancellation & abandonment, postponement, curtailment - Financial loss including anticipated profit (optional)

  • Failure to vacate - Financial penalty for failure to vacate the venue by the specified time

  • Public liability - Up to £25 million

  • Employers liability - £10 million

  • Property - Accidental loss or damage to property either owned/hired by you or the venue

  • Terrorism - Any loss with an indemnity limit of £100,000 or the indemnity limit of the event, whichever is lower

    - Any loss within the UK and EU

Optional features:

  • Non-appearance - Financial loss against the non-appearance of a key speaker, entertainer or the like

  • Enforced reduced attendance - Financial loss against the reduced attendance of delegates or visitors

  • Full terrorism cover - Financial loss against an act of terrorism or the threat of an act

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Event insurance exclusions


  • Cancellation due to financial losses, lack of support and communicable disease

(Communicable disease is excluded as standard but this can be included as an optional extra)

  • Within reason when the event can be re-scheduled or changed venue

(The policy will meet reasonable additional expenses)

Failure to vacate

  • Financial losses incurred due to circumstances which were not beyond your control

Employers' Liability

  • Injury to employees who are not normally resident in the UK

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Event insurance FAQs

With the unpredictable weather in the past few years can you protect against adverse weather?

We cover for these eventualities but if you have specific concerns we can offer additional cover as required.

When should I start my cover? Does it cost more to cover from an early stage?

You should be insured from the moment you become contracted or invested. You leave yourself open to financial risk if you arrange cover for an event but are not insured during the planning and organising process. We will create a policy for you that will cover all your risks though-out the life of the event (before, during and after) but this comes as standard and does not cost any extra.

Which insurers do you use?

We have long standing relationships with many different insurers including the London Lloyd's market; all have undergone careful checking before being included in our preferred providers list.

Can you cover employers' liability in isolation?

Depending on the type of event employer's liability cover can be arranged in isolation or with public liability cover.

What if my Event's success depends upon a key speaker, entertainer or the like?

Whilst our standard policy excludes cover for non-appearance cover can be included at an additional premium subject to insurer's terms and conditions.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Event insurance claims promise

We understand exactly how different one event is to the next and are sympathetic to each and every need. This being so our in-house underwriters will work hard to search the market and build you the correct policy within 24 hours.

To provide the best support in times of an emergency you will have 24 hour access to a loss adjuster available to assist with all aspects of your claim. We're always hoping your event goes off as a success but this puts someone in your corner and helps secure the best outcome.

We maintain a robust set of procedures in case of a major incident or weather event. However big or small your claim our expert team of account managers and claims handlers promise to deal with it proactively and ensure we always treat you and your clients fairly.


Events insurance policy documents

Policy Wording [pdf, 1322 KB]
0344 892 1664
0344 892 1664 Weekdays 9am - 5pm
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