Sporting Event Insurance

Why you might need events insurance

• If a member of the public attending or participating in your event gets hurt, you could be sued for compensation.
• If an employee, temporary staff, volunteers or helpers injure themselves at the event, you could face legal costs and compensation charges.
• If the event is cancelled, abandoned or postponed due to events beyond your control including adverse weather conditions, you would be liable to cover irrecoverable venue hire charges and face loss of profits.
• You might face charges for the loss of, or damage to any equipment or property that you are responsible for during your event (including the venue).

How you are protected

• Our Public Liability insurance provides cover for your legal liability to pay damages, claimants costs and expenses which arise as a result of and in connection with the event relating to accidental bodily injury or accidental damage to a third party or their property. Injury to the participants is also covered, as long as the injury was as a result of your negligence in running the event. There are a few other exclusions such as injuries from, swimming in open water and cycle racing taking place on roads as well as losses caused by a deliberate act such as vandalism. To find out about the other exclusions click here. 

• Our Employer’s Liability insurance covers you for legal liability to pay damages, claimants costs and expenses which arise as a result of anyone you employ at an event including whether paid or unpaid. However, it doesn’t include any liability in respect of a Road Traffic Accident (RTA) related incident.

• We provide cover for the loss of, or damage to equipment that you are responsible for during, and in association with your event. This can be items which you have hired in, or which you own; these are under our equipment cover. For property which are part and parcel of the venue or are in the vicinity (cars in a car park, for example) and don’t belong to you, are covered under Public Liability.  As with all insurances, there are exclusions for example, we will not cover for loss or damage caused by the defective erection, use or dismantlement of any temporary structures (such as marquees or staging); loss from unattended vehicles; damage from vandalism; and theft or attempted theft unless there is evidence of violent, visible and forcible or violent entry thereto.

• Our Cancellation policy provides cover for irrecoverable costs incurred as a result of the unavoidable cancellation, abandonment or postponement of the event for reasons beyond your control which are unforeseen to you at the time of purchasing the insurance and organising the event. The exclusions list can be found here. Bear in mind that adverse weather conditions will not be covered if cover is taken out less than 14 days prior to the event date.