Events Liability Insurance
Event insurance in the UK is designed to provide financial protection and peace of mind for individuals and businesses organising events of any size, whether it’s a small private gathering, a corporate function, a festival, or a large public event. The purpose of event insurance is to cover a wide range of risks that could potentially disrupt or cancel the event, causing financial loss to the organiser or attendees. From weddings and parties to conferences, concerts, and exhibitions, event insurance offers tailored cover to suit the specific needs of different types of events.
Our event insurance policies start from just £76, providing £2 million Public Liability cover for events with up to 250 attendees. This cover also includes Legal Expenses Insurance, which helps protect you by covering the cost of defending a claim. We can insure most types of events held in the UK, from community fairs and exhibitions to private parties and corporate functions—giving you flexible, affordable peace of mind
Please see the links below for full details, including excesses and restrictions:
Event Insurance Policy Information Document (IPID) 📄 Event Insurance Policy Wording 📄
What Is Event Public Liability Insurance?
Protection for Organisers Against Injury or Damage Claims
Event Public Liability Insurance is a vital safeguard for anyone organising events in the UK—whether it's a local community fair, market stall, exhibition, fundraiser, or corporate event. This type of cover protects organisers against legal claims and compensation costs if a third party, such as an attendee, contractor, vendor, or member of the public, suffers an injury or their property is damaged during the event.
Common examples include someone tripping over a cable, being struck by falling equipment, or damage to a venue caused by hired infrastructure. Public liability insurance helps cover the associated legal defence fees, court costs, and any awarded damages. It is often a mandatory requirement by venues, local councils, and licensing authorities before an event can proceed—especially where there is public attendance or temporary structures.
With Quote Monkey, you can secure tailored public liability cover with limits of £2 million or £5 million, providing peace of mind whether your event is a one-day gathering or part of an annual multi-event programme.
Covers Legal Fees and Compensation
Financial Protection for Accidents, Injuries, and Damage at Your Event
Public liability insurance for events covers the legal costs and compensation payouts if someone is injured or property is damaged during your event. For example, if an attendee trips over loose cabling, a supplier’s equipment causes damage to the venue, or a guest is hurt by unstable staging, this policy steps in to handle the legal defence expenses and any compensation awarded.
Whether you're hosting a small local fair, trade show, food market, or larger public event, this cover provides essential peace of mind by protecting against costly liability claims. Without it, event organisers could be personally responsible for thousands of pounds in legal fees and damages. With public liability insurance, you stay protected and compliant with venue or council requirements.
Often Required by Venues and Local Authorities
Meet Mandatory Insurance Requirements for UK Event Approvals
In the UK, many venues, local councils, and licensing authorities require organisers to have valid public liability insurance in place before granting permission to host an event or hire a space. This is especially common for events held in public areas, community halls, parks, and temporary structures like marquees or market stalls.
Having public liability insurance demonstrates that you are taking responsibility for the safety of your attendees, suppliers, and the general public. It also provides reassurance to venues that, in the event of an accident or damage, the financial liability will be covered—reducing their own risk exposure. Without this cover, your event may be delayed or even refused permission to proceed.
With Quote Monkey, you can get instant documentation to satisfy venue or council requirements quickly and professionally.
Suitable for a Wide Range of Events
Tailored Public Liability Insurance for Markets, Fairs, Exhibitions, and More
Event public liability insurance is designed to suit a broad spectrum of UK events, offering flexible protection for organisers of all sizes and types. It’s ideal for community fairs, village fêtes, craft markets, art exhibitions, trade shows, sports tournaments, charity fundraisers, animal shows, and similar public gatherings.
Whether you're hosting a small local event for under 100 attendees or managing an annual series of large-scale activities, this insurance provides essential financial protection. It ensures you're covered if an accident occurs—like someone being injured or property being damaged—helping to cover legal fees, compensation, and venue requirements.
Our cover is available for one-day events or annual multi-event policies, making it easy to match your insurance to your schedule and budget.
Who Needs Public Liability Insurance for Events?
Organisers of Public and Community Events
Essential Cover for Charities, Clubs, Schools, Local Groups, and Small Businesses
If you're organising an event that's open to the public—whether it's a community fun day, charity fundraiser, school fair, club gathering, or business promotional event—public liability insurance should be considered essential. It provides vital protection against claims for injury or property damage caused to attendees, stallholders, suppliers, or members of the public during the event.
This type of insurance is particularly important for voluntary organisations and small groups that may not have the financial resources to handle unexpected legal costs or compensation claims. Even well-run events carry risks, and having cover in place helps demonstrate responsibility, professionalism, and compliance with venue or local authority requirements.
Whether you're planning a one-off public event or a recurring series, our policies offer peace of mind and reliable protection.
Vendors, Stallholders, and Performers
Essential Public Liability Cover for Traders, Entertainers, and Demonstrators
If you're attending an event as a vendor, craft stallholder, food trader, demonstrator, or live performer, public liability insurance is often a requirement set by event organisers or venues. This type of cover protects you if your stall, equipment, or activity causes injury to a member of the public or damages property during the event.
For example, if a visitor trips over part of your setup, or a product demonstration accidentally damages the venue, public liability insurance can help cover the resulting legal fees and compensation costs. Many event organisers will not allow participation without proof of insurance—especially at public markets, festivals, exhibitions, or fairs.
Whether you're attending a single-day event or a series of markets throughout the year, having the right cover in place ensures you meet entry requirements and operate with confidence.
Private Land or Venue Hirers
Protection for Events Held on Private Property
If you're hosting an event on private land or hiring a venue—such as a hall, marquee, garden, or field—you may still be legally responsible for any injuries or property damage that occur during the event. Even with the landowner’s permission, the responsibility for ensuring the safety of guests, contractors, and members of the public often falls to the event organiser.
Public liability insurance provides essential peace of mind by covering legal defence costs and compensation if an incident occurs. For example, if someone slips on uneven ground or a guest damages part of the venue, you could be held liable. Having cover not only protects you financially, but also reassures the venue owner that appropriate risk management is in place.
This type of insurance is ideal for one-off private events, local gatherings, and recurring bookings where safety and liability are key concerns.
What Does Event Public Liability Insurance Cover?
Third-Party Injury – Protection Against Claims for Accidental Harm
One of the core protections offered by event public liability insurance is cover for third-party injury. If a guest, participant, supplier, or even a member of the public is accidentally injured due to something related to your event—such as tripping over a cable, slipping on a wet surface, or being struck by equipment—this insurance helps cover the associated costs.
It includes compensation payouts, medical expenses, and legal defence fees if a claim is made against you as the organiser. Even with proper safety measures in place, accidents can happen. This cover ensures you're financially protected and can respond appropriately to any injury claims arising during your event.
Property Damage
Cover for Accidental Damage to Venues, Equipment, and Third-Party Property
Event public liability insurance also includes protection against accidental damage to property belonging to others. This could be the hired venue, staging or technical equipment, furniture, or personal belongings of attendees or suppliers.
Whether a piece of hired AV equipment is knocked over during setup, a marquee is damaged in high winds, or a guest’s possessions are harmed due to event activities, this cover ensures that the cost of repairs or replacement doesn't fall on you as the organiser. It helps cover the expense of damage claims and associated legal costs—offering vital reassurance, especially when using rented spaces or shared facilities.
Including property damage cover is essential for event organisers looking to minimise financial risk and maintain trust with venues and suppliers.
Legal Defence Costs
Cover for Legal Representation, Advice, and Court Fees
If a claim is brought against you as the event organiser—whether for injury, property damage, or another liability—event public liability insurance includes cover for your legal defence. This means the policy will pay for solicitor fees, legal advice, and court costs required to defend you against the claim.
Legal proceedings can be complex and expensive, even if you’re not at fault. With this cover in place, you’ll have access to professional legal representation without bearing the full financial burden. It ensures that you can respond properly to claims while protecting your event, your finances, and your reputation.
This type of cover is especially important for organisers of public events where risks are higher and legal compliance is essential.
Why Choose Quote Monkey for Event Insurance?
Competitive Premiums Starting from £76
Our event public liability insurance starts from just £76 for £2 million of cover and up to 250 attendees, making it an affordable option for both small and large events.
Cover for Hundreds of Event Types
We can insure a wide range of UK events, including craft fairs, food festivals, charity fundraisers, trade shows, sporting events, animal shows, and more.
Legal Expenses Included
Every policy includes legal expenses insurance to help defend you if a claim is made, giving you peace of mind and support when you need it most.
Instant Online Quotes
You can get a quote and buy your policy online in minutes, with documents emailed instantly—perfect for submitting to venues or local councils.
Flexible Options
Choose between £2 million or £5 million public liability cover, with options for single-day or annual multi-event policies.
Event Employers' Liability Insurance
Legal Requirement for Staff and Volunteers
Employers' Liability Insurance – Mandatory Protection for Event Workers
If you're hiring employees, temporary staff, or volunteers to help run your event—even on a short-term or unpaid basis—Employers' Liability Insurance is legally required in the UK under the Employers’ Liability (Compulsory Insurance) Act 1969. This type of cover protects you if someone working at your event suffers an injury or illness as a result of the tasks they’ve been asked to perform.
For example, if a volunteer trips over equipment while setting up or a staff member is injured during a demonstration, this insurance covers legal defence costs and any compensation awarded. Without it, you could face substantial financial penalties and personal liability.
Whether you’re running a small community event or a large commercial function, having Employers’ Liability cover in place is not just essential for legal compliance—it also provides reassurance to those working with you that they are protected.
Protects You From Legal Claims
Cover for Injuries to Volunteers, Temporary Staff, and Event Workers
Employers’ Liability Insurance safeguards event organisers against legal claims made by individuals working at the event—whether they are employees, volunteers, stewards, or temporary workers. If someone helping with your event suffers an injury or illness due to their role, this cover pays for legal defence, solicitor fees, and any compensation awarded.
For example, if a volunteer trips over exposed cabling while setting up, a steward is struck by unstable signage in windy weather, or a casual worker strains their back lifting equipment, you could be held responsible. In each of these scenarios, Employers’ Liability Insurance ensures you're financially protected against potentially expensive legal action and compensation claims.
It’s a vital safeguard for any event involving a team of helpers—providing peace of mind and helping you meet your legal obligations as an organiser.
Cover Available With Quote Monkey Policies
Employers' Liability Insurance can be added to any of our event policies, including single-day event cover and annual multi-event policies. We provide cover of up to £10 million, which is typically required by most venues, local councils, and licensing authorities.
Ideal for a Wide Range of Events
Comprehensive Protection for Organisers of Public, Commercial, and Charity Events
Employers’ Liability Insurance is suitable for organisers across a broad spectrum of UK events where staff, volunteers, or helpers are involved. This includes community festivals, fundraising events, food and craft markets, animal shows, exhibitions, workshops, and amateur sports tournaments.
If your event relies on anyone working under your direction—whether they’re paid employees, casual workers, or unpaid volunteers—this insurance provides essential protection. It ensures you remain legally compliant and financially secure if someone assisting with the event is injured or becomes ill due to their duties.
Even with careful planning, accidents can happen. Having Employers’ Liability Insurance in place offers peace of mind and demonstrates your commitment to running a safe, responsible event.
Explore Other Types of Insurance We Offer:
Park Home Insurance Leisure Lodge Insurance Park Home Site Owner's Insurance Static Caravan Insurance Campsite Owner's Liability Insurance Static Caravan Site Owner's Insurance Dog Insurance Cat Pet Insurance Tradesman Public Liability Insurance Car Insurance Comparison Van Insurance Comparison SUP Insurance Bike Insurance Comparison Band Insurance Motor Fleet Insurance Comparison Home Insurance Farmland Owners Insurance Coarse Fishing Lake Liability Insurance Landowners Liability Insurance Tradesman Public Liability Insurance Private Road Insurance Grassland Insurance Travel Insurance Comparison Events Public Liability Insurance Cat Show Insurance