Attendee liability
Injury to ticket holders and members of the public at the event.
Business Insurance
Event promoter insurance for ticketed events.
Crowds, alcohol, security and money committed months in advance. Promoting is a different risk from attending.
Promoters carry the commercial risk of an event as well as the liability. Attendee numbers are larger, alcohol and security are usually involved, and substantial costs are committed long before any revenue arrives — which makes cancellation cover as important as liability.
Crowds, security and alcohol
Attendee capacity is the primary rating factor, followed by whether alcohol is sold and how security is provided. Assault and battery cover is a specific question at larger events and is frequently sub-limited or excluded.
Contracted security firms should carry their own liability and name you. Where security is provided by the venue, confirm in writing whose policy responds to an incident, because both sides tend to assume it is the other.
What it covers
The parts of a event promoter insurance policy
Liquor liability
Where alcohol is sold, including through contracted bar operators.
Assault and battery
Often sub-limited at larger events. Confirm the position explicitly.
Cancellation
Committed costs and expected revenue if the event cannot proceed.
Working with us
What we do differently
We are an independent agency, so we place your event promoter 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.
- Confirm the assault and battery position before the event, not after
- Get certificates from security, bar and stage contractors
- Buy cancellation cover early, when costs are first committed
Common questions
Event Promoter Insurance, answered
What drives the price of promoter cover?
Expected attendance first, then whether alcohol is sold, the type of event and how security is arranged. Higher capacity and alcohol both raise the rating considerably.
Is assault and battery covered?
Often sub-limited or excluded at larger events, particularly where alcohol is sold. It is one of the first things to check on any promoter quote.
Who covers the security contractor?
They should carry their own liability and name you as additional insured. Where the venue provides security, confirm in writing whose policy responds — assumptions here cause disputes.
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 Cancellation Insurance
Liability cover protects you if something happens at your event. Cancellation cover protects you if the event never happens.
Read moreLiquor Liability Insurance
If your business sells, serves or furnishes alcohol, your general liability policy specifically excludes what follows. Liquor liability is the policy that fills it.
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