Insurance for events and festivals

Event planners, organisers, promoters and coordinators aren’t required by law to insure their events. However, some venues will need you to have (at least) a public liability policy before you can hire them.

Your certificate of currency – also known as a certificate of insurance – expires on the same date as your event insurance policy. Event insurance only covers a single event, so it can’t be renewed.

Event insurance is a one-off insurance policy designed to cover a single event (which could span more than one day). Entertainment industry insurance is designed for event planners and organisers who plan to put on more than one event in a calendar year.

Wondering if you need entertainment insurance? Speak to our entertainment team  to arrange the right policy for you.

If an incident occurs, contact the Marsh events team  as soon as you can. We want you to get the best possible outcome, so we will advocate for you throughout the entire claims process.

Claims can be stressful, but – as the world’s largest insurance broker – we strive to make the process straightforward.

Yes. You can contact Marsh  at any time to add a new interested party to your certificate of currency.

There are many reasons why insurance is important for event organisers to consider. By their very nature, events are prone to a number of risks including accidents, injuries, property damage and cancellations due to unforeseen disruptions.

Some examples of things that can go wrong at an event may include:

• Someone suffers an injury – it could be someone organising, attending or working at the event.
• Property or equipment is damaged, stolen or lost
• The event is cancelled due to circumstances out of your control (eg performer illness, bad weather, power failure).

Insurance can help protect your event from potential lawsuits or financial loss, allowing you to recover some or all of your money, and giving you peace of mind that you’re covered for unexpected circumstances. Ultimately, it can mean the difference between running your event – or not.

Our specialist broking team can arrange insurance for you, including public liability insurance. All you need to do is provide some details on this form and one of our brokers will reach out to you to assist.

It depends. It can vary depending on the type of event, format, attendees, location, the level of cover you wish to have, or any additional feature you want added to the policy. We have an online insurance option to cover events. Talk to a broker about your options and a quote

Despite planning an event to the nth degree, there are some incidents you simply can’t control. A headliner cancelling at the last minute, a serious injury to one of your patrons or a theft of expensive equipment among them.

It pays to have protection in place in case things go awry. Marsh has arranged insurance for a variety of event-industry clients, including:

• Australian Grand Prix

• Clipsal 500

• Paspaley Polo in the City

• Food and Wine Festival

• Speech Pathology Conference

• Flight Centre Conference

• Adelaide Symphony Orchestra.

Even if you run your events business from home, you’re still exposed to certain risks.

Accidents can happen in your own space – and you can still face allegations of improper advice, professional negligence and more.

Consider whether professional indemnity insurance and public liability insurance can help protect your business.

No. The event insurance policy is only suitable for one-off events.

If you’re planning to host more than one event in a calendar year, you will need to take out entertainment insurance. Speak to our Events team for help in arranging an entertainment policy.

Event Cancellation & Abandonment: Covers your financial loss when your event is cancelled/abandoned or postponed due to events outside of your control.

Non-Appearance: Covers your financial loss if key headline acts or a large portion of the performance group fail to show up.

Public Liability & Event Liability: Covers your legal liability for third party bodily injury or property damage.

Weather Risk: Protects revenue from fluctuations when certain weather conditions occur.

Voluntary Workers Personal Accident: Protects your volunteers if they are injured whilst working on your behalf.

Travel: Covers medical expenses, trip cancellation costs, lost luggage and trip deposits.

Event Equipment Cover: Covers the equipment you own or use at an event if it is damaged or lost.

Money: Covers physical loss or damage occurring to money during an insured event.