Event Insurance from
David J Miller Insurance Brokers
Event insurance
Event insurance can help protect you financially if something goes wrong when organising, running or taking part in an event. Cover can include public liability, employers’ liability, event equipment insurance and cancellation insurance and can be arranged for a single event or multiple events.
Who is event insurance for?
Event insurance can be arranged for people and organisations responsible for organising or taking part in events. This includes:
- Event organisers
- Stallholders and exhibitors
- Entertainers and performers
- Private individuals
- Community groups and committees
- Clubs and associations
- Businesses
- Charities
The cover you need will depend on your role at the event and what’s involved.
What does event insurance cover?
Event insurance can include several types of cover depending on the type of event and what you want protection against. The main options are public liability insurance, employers’ liability insurance, event equipment insurance and event cancellation insurance.
What types of events can be covered?
Event insurance can be arranged for many types of events, including:
- Fetes, fairs, street parties, charity events and community events
- Private parties, Christmas parties, New Year events and other celebrations
- Conferences, exhibitions, trade shows and corporate events
- Concerts, performances, shows and other live entertainment
- Sports events, competitions and tournaments
- Festivals and carnivals
- Bonfire and firework displays
If your event is not listed, that doesn’t mean it can’t be covered. Talk to us, we might be able to help. For unusual or more complex events, we’ll need to understand a little more about what you’re planning.
Why is event insurance important?
Even a well-planned event can go wrong. Someone could be injured, property or equipment could be damaged, or your event might have to be cancelled.
Event insurance can help protect you financially when things don’t go to plan. If someone makes a liability claim against you, your insurance can also cover the cost of defending the claim.
You might also need insurance before your event can go ahead, as some venues, landowners and local authorities will ask for proof of public liability cover.
How much does event insurance cost?
Event insurance can start from £35.74 for a stallholder and from £40.72 for an event organiser. The price will depend on the type of event, the total number of people attending throughout the event, how long it lasts, the public liability limit you choose and any additional cover you need.
What is this price based on?
What is this price based on?
These are actual quotations arranged through David J Miller Insurance Brokers and underwritten by Bspoke Underwriting Ltd on behalf of Accelerant Insurance UK Limited, dated 19 October 2026.
Your premium will be calculated based on the details of your event and the cover you choose, so the price you receive may be higher than the examples shown. Adding employers’ liability, event equipment or cancellation cover can also increase the premium.
How to get an event insurance quote
You can call us, complete our online form, or ask us to call you back. Choose whichever option suits you best.
Find out how to contact us, what information we will need and what to expect when requesting a quote.
Why choose Event Insurance Direct?
Specialist event insurance with direct support from a UK-based team
Why Choose UsAbout Event Insurance Direct
Event Insurance Direct is the specialist event insurance service from David J Miller Insurance Brokers Limited, an independent UK insurance broker established in 1965. Our UK-based team has been arranging insurance for events for more than 15 years. David J Miller Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority.
Event insurance FAQs
Answers to common questions about event insurance.
Do I need event insurance?
Not always. Event insurance is not generally required by law, but a venue, landowner or local authority might ask you to have public liability insurance before your event can go ahead. Employers’ liability insurance will usually be required if you employ staff. Even if insurance is not required, an accident, damaged equipment or having to cancel your event could leave you facing a claim or financial loss.
What insurance do I need for an event?
Public liability insurance is often the starting point. Depending on your event, you may also need employers’ liability insurance for staff, cover for equipment or cancellation insurance if your event has to be cancelled or postponed.
How much event insurance do I need?
Public liability cover is usually arranged at £1 million, £2 million, £5 million or £10 million. Your venue, landowner or local authority may set a minimum, so check before arranging cover. Equipment cover should reflect the value of the equipment you own or hire, while cancellation cover should reflect how much you could lose if your event cannot go ahead.
When should I arrange event insurance?
It’s best to arrange event insurance as early as possible, especially if you need cancellation cover. Venues may also ask for proof of public liability insurance before your event can go ahead. You can arrange insurance in advance, with cover for the dates your event takes place.
Can you insure unusual or higher-risk events?
Yes. We have access to specialist insurance markets for many unusual or higher-risk events. We will usually need more information about the activities involved and how the event will be run before we can confirm whether cover is available and provide a quote.
Insurers and underwriting agencies we work with
