Festivals Insurance

Our Festival Insurance policy has been specifically designed to meet the needs of festival coordinators throughout the UK.

Ticketing, performers, and vendors are just a few of the many things that festival organisers are responsible for. This insurance is an essential cover which reduces risk for those that put time, effort, and money into organising festivals.


This cover is available for a wide variety of festivals regardless of their size, such as:

  • Music, Arts Festivals or Recital
  • Comedy and Film Fairs (not a premier)
  • Flower Festivals
  • Beer or Food & Wine Festivals
  • Harvest Festivals

Policy Details

Designed for organisers of UK festivals with up to 10,000 visitors.

Below are the options available and what each of them cover specifically:

  • Public Liability 
    • Accidental injury to members of the public at the festival
    • Third party property damage
  • Employers Liability
    • A member of staff, volunteer, or helper been injured whilst at the festival
  • Event Equipment
    • Loss or damage to any equipment which you own or have hired and are responsible for during and in association with the festival
  •  Cancellation, Abandonment or Postponement
    • Cancellation of the festival due to any unavoidable reasons which you were unaware of when the policy was taken out. This can include cancellation of the entertainment.
  • Adverse Weather
    • The cancellation or abandonment of a festival due to adverse weather conditions
    • Taking out a comprehensive insurance policy gives complete piece of mind and protects you should any of the above occur.
    • Please contact us for any more information on our festival insurance policies.


Our Festival insurance policy offers a range of covers and protections for your event.

Our primary areas of cover are Public Liability, Employers Liability, Event Equipment Insurance, and Event Cancellation Insurance.

Each of the above cover off a range of incidents which could potentially occur both before and during the festival.

Public Liability

Public Liability is an essential cover taken out to meet the requirements of many venues and/or local authorities.

Our Public Liability Policy covers you for the following:

  • Accidental bodily injury occurring to a member of the public and/or accidental damage to third party property (should the occurrences be proven to be a result of your neglect when organising and managing the festival)
  • If deemed liable, this policy covers you for defence costs, claimant’s costs, damages, and expenses.
  • This cover can protect you from before the event starts whilst preparing and setting up, as well as during (when attendees are present).

What we don’t cover:

  • Property damage claims which are below the value of £250, as this is the excess of the policy.
  • Damage or injuries which arise out of a deliberate act, vandalism or is malicious in nature
  • Damage to the ground or underground services
  • Loss or damage to property which you own, have borrowed, hired, or holding in trust. This does not include your hired venue, it relates to items such as marquees, plant equipment or staging.
  • The liability arising from any 3rd parties you have contracted for the event such as security, performers, staging, lighting, or sound companies.

Employers Liability

Employers Liability cover is appropriate when you have employees, volunteers, or helpers working at your event.

Our Employers Liability cover protects you for the following:

  • Legal liability to pay damages, expenses, and claimant costs which arise as a result of anyone you employ been injured whilst present at your event; this includes temporary staff, helpers, or volunteers. Regardless of whether they are paid or unpaid, they must be under your supervision at the time the injury is sustained.

What we don’t cover:

  • The employees of any professional contractor or sub-contractor whose services you are employing. The company you are hiring for your party should have their own cover in place. For example, caterers, first aiders, or professional security services.
  • Any Liability arising from road traffic accidents

Event Equipment Insurance

Event Equipment relates to items which you bring yourself or hire out specifically for the event, for example your stand and stock. These items do not include those that come as part of the fixtures/fittings of the venue.

Our Event Equipment cover protects you for the following:

  • Accidental damage, loss, or theft to the event equipment which you are legally responsible for. Hired, leased, and/or owned event equipment is covered for the duration of your event.

What we don’t cover:

  • Losses where the repair or replacement of the equipment is below the value of £250 as this is the excess of the policy.
  • Damage arising from the faulty assembly, use or dismantlement of temporary structures (i.e. portable toilets or marquees).
  • Theft where there is no forcible or violent entry or exit from any site; or where items have been left unattended and unsecured
  • Discrepancies, unexplained losses, or stock taking shortage

Event Cancellation Insurance

Whether it’s a Music Festival, Arts Festival, or Flower festival; one thing all these events have in common is incurred costs. It is important to make sure you are protected should your event be forced to cancel.

Our standard cover protects you for the following:

  • Irrecoverable costs suffered as a result of the unavoidable cancellation, postponement, or abandonment of your event due to circumstances outside of your control
  • We also offer extended cover to pick up certain circumstances outside of the usual scope. These include:
  • Cancellation due to adverse weather conditions
  • Cancellation due to a performer or a person not attending the event
  • Cancellation due to terrorism or the threat of terrorism
  • Loss of revenue following the cancellation of your event
  • The policy can be tailored accordingly to suit the needs of your event.

What we don’t cover:

  • Failure of a supplier where your booking arrangements have not been confirmed in writing.
  • We are unable to offer weather related protection if you are looking to take out a policy within 14 days of your event set up starting.
  • You must not be aware of any material fact, matter or circumstance, before taking out the insurance which is likely to cause your event to cancel. This can include medical conditions, the current condition of the venue or the known financial troubles of a supplier.
  • Our Policy wording details all our exclusions and highlights what is meant by certain terms. It is important to read the policy wording before you take out insurance with us to confirm that our policy meets the needs of your event and you are adequately covered.