Cancellation
Non-recoverable costs and deposits when the event cannot proceed.
Business Insurance
Event cancellation when it cannot go ahead.
Liability cover protects you if something happens at your event. Cancellation cover protects you if the event never happens.
Event cancellation is a financial policy rather than a liability one. It reimburses non-recoverable costs, deposits already paid and, for commercial events, the revenue you expected to earn — when circumstances outside your control stop the event going ahead.
What triggers a claim
Severe weather, venue damage, failure of utilities, transport disruption and non-appearance of a key performer are the usual insured causes. Cover has to be arranged well in advance — you cannot buy it once bad weather is forecast.
Read the exclusions carefully. Lack of ticket sales is not an insured cause anywhere, and communicable disease has been widely excluded across the market since 2020. What is covered varies more between forms than in most classes.
What it covers
The parts of a event cancellation insurance policy
Postponement
The additional cost of rescheduling rather than cancelling outright.
Lost revenue
Expected income for commercial and ticketed events.
Non-appearance
Where a key performer or speaker cannot attend, subject to the terms.
Working with us
What we do differently
We are an independent agency, so we place your event cancellation insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Arrange it early — cover cannot be bought against a forecast
- Check the exclusions, particularly weather thresholds and communicable disease
- Insure the full non-recoverable cost, not just the deposits paid so far
Common questions
Event Cancellation Insurance, answered
What does event cancellation actually cover?
Non-recoverable costs, deposits and expected revenue when an insured cause stops the event. Severe weather, venue damage and non-appearance are typical triggers.
Is bad weather covered?
Usually, but against defined thresholds rather than any rain. And it must be arranged before weather is forecast — you cannot insure against something already visible.
Is low ticket sales covered?
No. Poor sales is a commercial risk, not an insurable one, and no form covers it.
Related cover
Often arranged alongside this
Special Events Insurance
Most venues will not hand over the keys without a certificate. Event liability is usually bought because somebody asked for it.
Read moreEvent Promoter Insurance
Crowds, alcohol, security and money committed months in advance. Promoting is a different risk from attending.
Read moreEvent Planner Insurance
Planners are judged on things they arranged but did not perform. That is a professional liability exposure, not a premises one.
Read moreReady for a event cancellation insurance quote?
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