By Tahir Abbas, Editor · Last updated 1 November 2026
Event insurance covers organised events — concerts, festivals, conferences, exhibitions and private parties — against cancellation, damage and liability. Events involve venues, suppliers, equipment and crowds, so a single problem can mean lost ticket revenue, wasted costs and claims from attendees.
This guide explains what event insurance typically covers, what it leaves out, who it suits, and how to compare policies before you buy.
What event insurance typically covers
- Cancellation or postponement for reasons beyond your control
- Public liability for injuries to attendees and damage to the venue
- Damage to hired equipment and property
- Adverse weather cover, where included
- Non-appearance of key performers or speakers, where included
What event insurance typically does not cover
- Poor ticket sales or low attendance
- Cancellation for financial reasons alone
- Damage from inadequate safety planning, on many policies
- Claims above the policy’s limits for each section
Who event insurance is for
Event organisers, promoters, venues and anyone staging an event with real money at stake. Many venues require organisers to hold public liability cover before they will hire out their space.
How to choose and compare event insurance
- Compare cancellation limits against your total event costs
- Check the public liability limit meets your venue’s requirements
- Look at weather cover and its triggers
- Consider cover for equipment, suppliers and key people
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Sources and Disclosure
This guide is general information, not financial advice. Plan features described here are general and vary by insurer and state; always read the sample policy before you buy. For the rules governing insurance in your state, see the consumer resources of the National Association of Insurance Commissioners (NAIC). Disclosure: Being Insurance is an independent comparison site. We may earn a commission when you buy through links on this page. That never changes which companies we list or the order we present them in.