Events Insurance

Events Insurance

Bespoke events insurance, covering anything from school fetes to international exhibitions and festivals. Public and employers’ liability as standard with optional covers such terrorism and adverse weather conditions.

About Events Insurance


Bespoke events insurance

Customise your policy to suit the type of event you are organising.


Covers cancellation and postponement

Cancellation and abandonment, postponement and curtailment with multi-event cover available.


Public and employers’ liability

Public liability with variable limits and employers' liability up to £10 million.

Direct Debit

Pay by Direct Debit on annual policies

You can split your payment into instalments

Features of Events Insurance

Standard cover

Events insurance to suit your needs

We aim to provide insurance for every type of event; awards, concerts, ceremonies, conferences and exhibitions. We understand that no two events are the same, so we work hard to create a bespoke policy to suit your needs. Speak to us about the type of event you are organising, and our expert team will assist you in arranging the appropriate cover.

Liability insurance as standard

All our events insurance policies include public liability with variable limits and employer’s liability up to £10 million. This means that your business will be protected should a member of the public or an employee sue you due to negligence.

Protection should your event not run

Our events insurance will cover you should you be unable to host your event due to cancellation, abandonment, postponement or curtailment. Whether you cannot run the event at all or if you simply need to delay it, you’ll be covered. However, this does not include cancellation due to communicable diseases. Other terms and conditions may apply, so, see your policy wording or speak to an adviser for full details and exclusions.

Additional extras

Our policies can be extended to cover a range of different incidents such as non-appearance, full terrorism cover, enforced reduced attendance and adverse weather. These add-ons will protect you from financial loss in the instance of any of these cases which prevent your event from running to its full potential, or even running at all. Lack of finance and equipment breakdown are excluded; check your policy for full details.

Events Insurance FAQs


When should I start my events insurance? 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 risks throughout the life of the event (before, during and after); this comes as standard and does not cost any extra.


What type of events do you cover?


We aim to provide insurance for a broad range of events, including; awards, concerts, ceremonies, conferences and exhibitions. However, depending on the nature of your event, there may be certain exclusions., It is recommended that you speak to an advisor about the specifics of your situation.


Can you protect against adverse weather?


We can provide cover against adverse weather, and, if you have specific concerns, we can offer additional cover, as required.


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


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


Where can I find out more about monthly Direct Debit?


If you would prefer to spread the cost of your annual policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01732 228 790 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim