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Festival & Event Insurance

Specialist insurance for festival organisers, event promoters and live events across the UK.
Cover can include public liability, employers’ liability, equipment insurance and other event-related exposures depending on the nature of the event.
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Festival & Event Insurance for UK Event Organisers

Organising festivals and live events involves a range of exposures that standard business insurance policies may not address adequately. Event organisers must consider public attendance, temporary structures, staging, suppliers, performers, contractors and venue requirements when arranging insurance. Insurance for festivals and organised events is commonly required by venues, landowners, local authorities and contracting parties. It helps protect organisers against potential legal liabilities arising from injury to third parties or damage to property in connection with the event. Taylor Made Risk Solutions arranges specialist insurance solutions for festival organisers and event promoters across the UK and understands the unique requirements of live event environments.

Typical events we see include:

  • Music festivals
  • Food and drink festivals
  • Cultural festivals
  • Community and charity events
  • Outdoor entertainment events
  • Seasonal events and Christmas markets
  • Arts and performance festivals
  • Ticketed public events

🏆 Winner – Best Insurance Provider, Event Production Awards 2026
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Need broader guidance? Read our Event Insurance Guide UK.

Specialist Insurance for Festival and Event Organisers

Festivals and organised events vary significantly in size, structure and risk profile. Some events involve a small number of attendees and limited infrastructure, while others include complex staging, production crews, contractors and large audiences. Because of these variations, insurers will typically assess several factors before offering terms. These can include the nature of the event, the expected attendance, security arrangements, alcohol exposure, contractor involvement, temporary structures and the overall management of health and safety. Working with a specialist broker can help ensure that insurers are provided with a clear presentation of the event and the activities involved. This can improve the range of insurers willing to consider the risk and the quality of terms available.

Speak to a Specialist Insurance Broker

If you are organising a festival or event and require specialist insurance, our team can assist in presenting the risk to insurers and arranging appropriate cover.
Request a Quote

Who This Insurance Is For

Festival and event insurance may be required by:

  • Festival organisers
  • Event promoters
  • Outdoor event organisers
  • Community event organisers
  • Charity event organisers
  • Cultural and arts event organisers
  • Ticketed public event promoters
  • Event management companies

Insurance Cover May Include

Depending on the nature of the event, cover can be tailored to include a range of key protections.

Public Liability Insurance

Protection for legal liability arising from injury to members of the public or damage to third-party property in connection with the event.

Employers’ Liability

Required where staff are employed and often relevant where crew, temporary workers or event personnel are involved.

Event Equipment Insurance

Cover for owned or hired equipment used during the event including staging, sound equipment or other production assets.

Event Cancellation

May provide protection in certain circumstances where an insured event has to be cancelled, postponed or abandoned.

Why Specialist Festival Insurance Matters

Festivals and live events involve a combination of public attendance, temporary infrastructure, contractors and entertainment activities. As a result, insurance arrangements often require careful consideration. Many venues, landowners and councils require event organisers to provide evidence of public liability insurance before granting permission for an event to proceed. Depending on the nature of the event, insurers may also want to understand the event management plan, health and safety arrangements, contractor responsibilities and emergency planning. Ensuring these elements are presented clearly can help insurers assess the risk properly and provide suitable terms.

Examples of Events We Commonly See

  • Music festivals
  • Food and drink festivals
  • Outdoor cultural events
  • Charity events
  • Community festivals
  • Seasonal markets and Christmas events
  • Arts and performance festivals
  • Promotional and brand events

Festival & Event Insurance FAQ

What insurance do festival organisers need?
Public liability insurance is commonly required where members of the public attend an event. Depending on the nature of the event, other covers may also be relevant such as employers’ liability, equipment insurance or event cancellation cover.
Do events require public liability insurance?
In many cases venues, landowners or local authorities require event organisers to hold public liability insurance before granting permission for an event to proceed.
Can one-off festivals be insured?
Yes, subject to the nature of the event and insurer appetite, cover may be arranged for single events or for organisers who run multiple events during the year.
Can event cancellation cover be included?
Potentially, yes. Availability will depend on the nature of the event, the underwriting information provided and insurer appetite.
Do insurers need details of contractors and suppliers?
Usually yes. Insurers will often want to understand what contractors are involved, what they are responsible for and whether they carry their own insurance.

Related Specialist Insurance

We also arrange insurance for related industries including event production companies, equipment hire businesses, media production companies and event suppliers.

Event Production Company Insurance
Equipment Hire Company Insurance
Media Production Insurance
Event Supplier Insurance

Additional Covers Often Considered

Depending on the nature and scale of the event, other types of insurance may also be relevant alongside event liability cover.

  • Professional indemnity insurance where advisory or event management services are provided
  • Personal accident insurance for organisers, crew or contractors working on-site
  • Travel insurance for organisers or teams travelling in connection with the event
  • Equipment cover for temporary infrastructure, production equipment or hired assets

These options can be discussed depending on the type of event and the responsibilities involved.

Return to our specialist insurance services overview

Speak to a Specialist Insurance Broker

If you are organising a festival or event and require specialist insurance, our team can assist in presenting the risk to insurers and arranging appropriate cover.
Request a Quote