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Small event public liability insurance

Let Marsh arrange the right cover for your event with festival and one off event insurance so you can keep the festivities going.

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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.

$275

Category A Events

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.

  • 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

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$475

Category B Events

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.

  • 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

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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.

What does small events insurance cover?

selected option

Your cover level

Both of our one-off small event insurance policies cover the core risks involved in running a small event. Check your policy wording for minimum limits.

Limit of liability

Our small events policies 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 policies 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, cost effective and member discounted insurance solutions.

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

We can help. Whether you need to insure a music festival, street parade or national sporting event find out more about our insurance packages for large events.

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Why choose Marsh for small events insurance?

Find out why we’re trusted by events organisers – and associations – across Australia.

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 will 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 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.

Our specialities

  • 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.

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.

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.

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 at any time.

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.

Our small events insurance policy 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.

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LCPA 24/296
 
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.