Compare Event Insurance

Participants and Their Insurance Needs

Stallholders and Vendors

Stallholders and vendors at markets, exhibitions, and fairs engage directly with the public, which puts them at a higher risk of accidents or product-related claims. Additionally, they are responsible for merchandise and displays that are vulnerable to theft or damage. Stallholders will likely need insurance that covers:

• Public liability to protect against claims of injury or property damage caused by their stall.
• Stock insurance to cover their goods in case of loss, damage, or theft.
• Product liability, especially if they are selling consumable goods, to protect against claims of illness or injury resulting from their products.

Caterers

Caterers at events deal with the added complexity of food safety and the risks associated with preparing and serving food to large groups. Given the nature of their work, caterers will require:

• Product liability to protect against claims of food poisoning or allergic reactions.
• Equipment insurance to cover their valuable kitchen equipment, which can be expensive to replace if damaged or stolen.
• Employers’ liability if they hire staff to help with food preparation and service, ensuring protection against employee injury claims.

Performers (Bands, DJs, Entertainers)

Performers bring entertainment to events, often working with valuable equipment and performing in front of large crowds. Their insurance needs are focused on protecting their gear and covering potential accidents involving the audience. Performers should consider:

• Equipment insurance to cover instruments, sound systems, and other performance gear against theft or damage.
• Performance cancellation insurance, especially for those reliant on travel or health, to protect against losses if they are unable to perform due to unforeseen circumstances.
• Public liability to cover accidents that could happen during a performance, such as someone tripping over wires or speakers.

Exhibitors

Exhibitors showcase products or services, often using complex and expensive setups. Their primary risks revolve around protecting their displays and preventing injuries at their exhibition stands. Key areas of focus for exhibitors include:

• Insurance for the protection of valuable display equipment and materials, ensuring that if items are damaged or stolen, the financial loss is covered.
• Public liability to cover accidents or injuries that may occur at their exhibition stand.

Event Organisers

Event organisers oversee the entire event, handling logistics, safety, and ensuring everything runs smoothly. Their broad responsibilities mean they require the most comprehensive coverage. Organisers will typically need:

• Public liability, which is essential for protecting against claims from attendees for injuries or property damage during the event.
• Employers' liability to cover any hired staff or volunteers who may be injured while working at the event.
• Equipment insurance for staging, lighting, and other rented or owned equipment used at the event.
• Cancellation insurance to protect against financial losses if the event is postponed or cancelled due to unforeseen circumstances like extreme weather or venue issues.

Features & Benefits of Event Insurance

Having the right insurance cover ensures that participants are protected from financial risks and liabilities, allowing them to focus on delivering a successful and enjoyable event. Here's a summary of the covers that can typically be added to an event insurance policy.

Public Liability Insurance

Essential for nearly all event participants, this covers claims from third parties for injuries or property damage. Whether you're a vendor, performer, or organiser, public liability insurance is a must-have to protect against potential legal costs and compensation claims.

Employers' Liability Insurance

Required if you're hiring staff or volunteers, this insurance covers claims made by employees who are injured while working. It's critical for organisers, caterers, and anyone else employing others.

Product Liability Insurance

Particularly important for vendors and caterers, this covers claims related to products sold or served at the event, such as food poisoning or injury caused by a product.

Equipment Insurance

Whether for performers or organisers, this covers the loss, theft, or damage of valuable equipment such as instruments, sound systems, staging, or catering gear.

Cancellation Insurance

Protects against financial losses if the event is cancelled or postponed due to unforeseen circumstances, such as bad weather or illness. This is particularly important for organisers and performers.

Stock Insurance

Vendors and stallholders rely on their products for income, so this insurance covers their merchandise in case of theft or damage.