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Small event public liability insurance solutions

Insurance solutions for one-off events with up to 1,000 attendees. Get fast and easy public liability cover, from $275.00*.

No time to wait for a public liability insurance quote?

Got a small event this week? Tomorrow? Tonight? No problem. If your event has under 1,000 attendees – and runs for no more than 3 days – we can arrange single-event public liability cover for you in minutes.

What type of events are covered by Marsh’s small event solution?

Select the category that best describes your short term or one-off event.

Category A Events

$275

Single event public liability insurance solution is available for events with less than 1,000 attendees, providing $20 million in Public and Product liability coverage.

Special conditions apply

  • Insurance for Event Organisers and Coordinators of the following events:

  • Annual General Meetings

  • Meetings, Presentations

  • Conferences & Seminars

  • Award Ceremonies

  • Art Exhibitions

  • Trivia Nights

  • Exhibitions/Tradeshows

  • Private Events requiring Hall Hire

  • Weddings

  • Fashion shows

Category B Events

$475

A single event public liability insurance solution is available for events with less than 1,000 attendees, providing $20 million in Public and Product liability coverage.

Special conditions apply

  • Insurance for Event Organisers and Coordinators of the following events:

  • Corporate Functions

  • Charity Balls & Fund-Raising Dinners

  • Gala Dinners

  • Cocktail Functions

  • Community Fairs & Markets

  • Sit down Concerts, Theatre Performances or Plays

  • Recitals & Performances

No time to wait for a public liability insurance quote?

Got a small event this week? Tomorrow? Tonight? No problem. If your event has under 1,000 attendees – and runs for no more than 3 days – we can arrange single-event public liability cover for you in minutes.

What does events insurance cover?

selected option

Your cover level

Both of our one-off small event insurance solutions are designed to cover the public liability risks involved in running a small event. Check your policy wording for maximum limits.

Limit of liability

Our small events insurance solutions can provide $20 million Public and Products Liability coverage to help protect event organisers against third-party claims for injury, property damage and costly legal fees.

Excess

In the event of a claim, your excess sum is the amount of money you are liable to pay before your insurer becomes responsible for losses and legal costs. With a small events insurance solution arranged by Marsh, your excess sum is $500.

Australia-wide coverage

Our small events insurance solutions can cater to events taking place in established venues Australia-wide.

Typical exclusions

Situations or events generally not covered by your liability cover. What isn’t covered varies from provider to provider. We can recommend bespoke cover for you.

Workplace injuries

These include injuries to your employees. Generally, workplace injuries are not covered under public liability insurance – these may be covered under workers compensation insurance.

Property damage

Damage to your own property – such as cars, buildings, equipment or tools – is not covered. Generally, one’s own assets can be covered under separate property insurance.

Professional advice

Public liability insurance excludes loss or damage as a direct result of any professional advice you may have given a client. This is covered under professional indemnity insurance.

Contractual liability

Public liability insurance generally does not cover any liability assumed by you under a contract regardless of fault. Contractual liability insurance may mitigate some contractual liability exposures.

Marsh is the Principal Risk Partner for APRA AMCOS

As the Principal Risk Partner for APRA AMCOS, we have worked in partnership to respond to the needs of its members by designing relevant and member discounted insurance solutions.

Why choose Marsh for one-off event insurance?

Entertainment expertise

Our Australia-wide network of brokers have spent years managing the unique risks of events organisers. Our specialist entertainment event insurance broking team can work with you to understand your specific event insurance needs, and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We can help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Decades of events knowledge

Our brokers have over 60 years’ experience arranging events and entertainment insurance. We’ve worked with event planners, promoters and coordinators across Australia – covering engagement parties and private functions through to fundraisers and gala dinners.

Types of cover we can arrange for your event

  • 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.

Need to insure an event with more than 1,000 people?

Choosing insurance for entertainment industry events means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker can spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

A certificate of currency verifies your insurance policy. It lists details like the expiration date, policy limits, and the names and addresses of insured parties and properties. If a venue requires you to have insurance as a condition of hire, you can present it to them as proof.

Once you’ve paid for your small event insurance policy, we’ll send you your certificate of currency automatically. It should appear in your inbox within a few minutes.

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.

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

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 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.

Interested parties are other companies or people who have a vested interest in your event’s risks being appropriately managed.

These include:

  • Financiers
  • Venue owners
  • Principal contractors.

They may request a copy of your certificate of currency with their name noted as an interested party. You can contact Marsh to add them.

Event insurance can’t cover mistakes made by third-party service providers – like caterers and band members. If a guest trips and falls over wires laid by a lighting technician, for example, event liability insurance can’t cover the consequences. Only that service provider’s insurance can.

The small events insurance policy we arrange can’t cover an event you host on your own property. It also can’t protect equipment used solely for personal purposes.

If you need to protect your personal belongings, you may want to consider home and contents insurance.

Small events can involve just as many risks as large events. Some common risks include:

  • Extreme weather forcing you to cancel or postpone
  • A performer or headline act failing to show up
  • Accidental damage to the venue you hired

Every event is unique. Factors like the size, location and turnover of your event all affect its risk profile.

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

Find out more about our entertainment insurance solutions for multiple events and events with over 1,000 attendees.

The cost of event liability insurance for small events varies based on the category of the event. For Category A events, which typically include smaller gatherings such as private parties, community events, or small corporate functions, the insurance policy is priced at $275. Category B events, which may involve larger gatherings or higher-risk activities, such as festivals, concerts, or larger corporate events, are available for $475. If your event is expected to have over 1,000 attendees, the pricing may vary based on specific details and requirements. It’s best to contact us for a tailored quote that meets your event's needs.

Yes, it is advisable to have insurance for a fundraising event to protect against potential risks such as accidents or injuries, especially when large groups are involved. Public liability insurance is often required by venues and can cover claims arising from incidents during the event. Additionally, having insurance helps provide peace of mind, allowing you to focus on your fundraising efforts without worrying about financial liabilities.

Yes, it is recommended to have event insurance for your wedding to protect against unforeseen circumstances that could disrupt your plans. Wedding insurance can cover various risks, including vendor no-shows, or damage to property. It helps provide peace of mind, ensuring that you are financially protected against potential liabilities and allowing you to enjoy your special day with confidence.

*Event insurance special conditions

  • Event duration up to 3 days.
  • Allowance for bump in (3 days) & bump out (3 days), in addition to event duration.
  • All Service providers to your event are required to carry their own insurance.
  • Excludes participation in Sporting/Novelty Events, Adventure Activities and the like.
  • Events must be held at an established venue such as pubs, clubs, entertainment centres & council owned venues including council owned and maintained parks and outdoor spaces with appropriate insurances in place.
  • Exclude events where activities involve any of the following:
    • BYO Alcohol,
    • Camping
    • Water Activities (including events on boats)
    • Open fires and activities on private property.
  • Number of attendees not to exceed 1,000 people.
  • Turnover for the event does not exceed $200,000
  • Please note cover will commence at 4pm. Your declared event commencement date should take this into consideration
  • If your event does not qualify for our online solution, please call our expert brokers on 1300 655 931.

LCPA 25/377