Event Insurance in Adelaide
There are so many elements that are out of your control like the weather, ticket sales and the behaviour of the attendees. Protect yourself and your business with a tailored events insurance policy.
What is event insurance?
Event insurance helps protect organisers and attendees from financial loss due to unforeseen incidents such as cancellations, injuries, or property damage.
Whether you’re planning a wedding, corporate event, or festival, unexpected issues like severe weather or last-minute cancellations can quickly derail plans. Having the right insurance for an event means you can safeguard yourself if things do not go as planned – allowing you to focus on you can safeguard yourself if things do not go as planned – allowing you to run your event with confidence.
Who should consider event insurance?
Events insurance is commonly used by professionals in the entertainment and hospitality industries, including:
- Event managers and coordinators
- Promoters and organisers
- Sound and lighting technicians
- Stage managers
Public liability insurance for one day events can also be suitable when running one-off or regular small events such as weddings, corporate functions, festivals, concerts, exhibitions, fundraisers, theatre shows, trade expos, and dance parties. We can provide event insurance for event planners and events organisers running these events.
What can event insurance cover?
Event insurance provides various benefits depending on your event type and selected policy. A Westphalian event insurance broker will help tailor the cover to meet your specific requirements. Depending on the policy, insurance for events may include:
| Type of cover | Potential benefits |
| Event Cancellation/Abandonment/Postponement | Covers financial losses if your event is cancelled, abandoned or postponed due to unforeseen issues such as severe weather, venue problems, or key participant no-shows. Helps recover non-refundable expenses tied to event planning and setup. |
| Public Liability | Public liability insurance for events covers legal expenses and compensation if a third party or attendee is injured or their property is damaged during your event. This helps protect against liability claims that may arise from accidents or unforeseen incidents. |
| Personal Accident | Covers injuries sustained by volunteers, crew members, or attendees during the event. Helps with medical expenses or compensation if someone is accidentally injured while participating or assisting at the event. |
| Venue and Equipment Damage | Insurance for an event venue and equipment covers repair or replacement costs if there is accidental property damage to the event venue or equipment is accidentally damaged during setup, the event, or pack-down. This helps reduce out-of-pocket expenses and ensures your event can proceed without major disruptions. |
| Event Equipment Cover | Covers owned or hired equipment used during the event if it’s accidentally damaged, stolen, or lost. This includes items like sound systems, lighting, marquees, and staging essential to event setup and delivery. |
| Other potential covers | Includes cover for disruption or relocation due to emergencies, prizes and promotions, “hole in one” competitions, artist no-shows, property damage, hired equipment loss, and weather-related cancellations or delays. |
What usually isn't covered?
Exclusions, the excess you need to pay, and limits of liability can vary greatly depending on the nature of the product you are purchasing, the associated risk, the insurer and the requirements of your business. Typically, event insurance does not cover:
- High-risk or extreme activities
- Injuries to sporting participants
- Losses from improper or unsafe setup
Some exclusions are specific to individual policies. Your Westphalian insurance broker will explain what applies to your event.
Why choose Westphalian Insurance Brokers?
We provide expert event liability insurance broker services in Adelaide, whether you need event cancellation insurance, event public liability insurance or protection against injury or property damage. Our experienced brokers match you with the right policy to meet venue requirements and provide peace of mind. Speak with our team to ensure your event is covered from setup to pack-down, so you can focus on delivering a successful experience.
Contact us to book an appointment or request a quote today! Secure your event public liability insurance in Adelaide with Westphalian.
