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Business

Event public liability, cancellation and weather risk

Insurance solutions for events of any size. Fast public liability cover from $275* for events under 1,000 attendees.

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What type of events does Marsh’s online public liability solution cover?

Select the category that best describes your short term or one-off event.

$275 - Category A Events

Single event public liability insurance solution is available for events with less than 1,000 attendees, providing $20 million in Public and Product liability coverage.

Special conditions apply

  • Annual General Meetings

  • Meetings, Presentations

  • Conferences & Seminars

  • Award Ceremonies

  • Art Exhibitions

  • Trivia Nights

  • Exhibitions/Tradeshows

  • Private Events requiring Hall Hire

  • Weddings

  • Fashion shows

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$475 - Category B Events

Single event under 1,000 attendees. Public liability solution. $20 million in public and product liability coverage.

Special conditions apply

  • Corporate functions

  • Charity balls and fund-raising dinners

  • Gala dinners

  • Cocktail functions

  • Community fairs and Markets

  • Sit down concerts, theatre plays

  • Recitals and performances

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What's included and excluded when you buy online

Got a small event this week? Tomorrow? Tonight? No problem. If your event has under 1,000 attendees – and runs for no more than 3 days – we can arrange single-event public liability cover for you in minutes.

 

Coverage / Feature

Included / Excluded

Cover details

Limit of Liability 

✔️ Included 

$20 million public and products liability coverage for third-party claims 

Excess 

✔️ Included 

$500 excess payable by the insured before insurer covers losses and legal costs 

Australia-wide Coverage 

✔️Included 

Coverage for events at established venues across Australia 

Workplace Injuries 

❌Excluded 

Not covered under public liability; may be covered under workers compensation insurance 

Property Damage (Own Property) 

❌Excluded 

Damage to own property not covered; separate property insurance needed 

Professional Advice 

❌Excluded 

Excluded from public liability; covered under professional indemnity insurance 

Contractual Liability 

❌Excluded 

Generally not covered; contractual liability insurance may mitigate some exposures 

Need to insure an event with more than 1,000 people?

Choosing insurance for entertainment industry events means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker can spot your unique set of risks, match you to the right choice, and advocate for you on price.

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Tailored liability, event cancellation and more for large events with over 1,000 attendees

Large event insurance solutions for 1000+ attendees. Trusted by 130 Australian industry groups and member associations.

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Event cancellation or no-show insurance

Want peace of mind for circumstances outside your control? Help cover yourself for financial loss due to cancellation, postponement or non-appearance of a headline act.

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Public and event liability

Protect your business event, staff and patrons with public liability or event liability cover. Options available for single events or annual events (if you have more than one event planned in a year). 

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Weather risk insurance

No one can guarantee a sunny day. Help protect yourself against the elements with weather risk cover – and mitigate the financial impact of fluctuating weather conditions. 

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Volunteer injury insurance

An on-the-job injury doesn’t need to spell disaster. Look after your event volunteers with voluntary workers and group accident cover or voluntary workers personal accident cover.

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Corporate travel insurance

Feel protected while you travel with a travel insurance policy. Know your luggage, medical costs, trip cancellation fees and deposits are taken care of ­– so you can stay focused on the bigger picture.

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Equipment and property insurance

Marsh can arrange cover for the unique risk needs of the events and entertainment industry, including protection for your event equipment, loss or theft of physical money, and high value prizes.

Why choose Marsh for your event insurance?

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Entertainment expertise

Our Australia-wide network of brokers have spent years managing the unique risks of events organisers. Our specialist entertainment event insurance broking team can work with you to understand your specific event insurance needs, and break down the jargon into your language.

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Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We can help take the load off and manage, negotiate and settle claims with insurers on your behalf.

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Decades of event knowledge

Our brokers have over 60 years’ experience arranging events and entertainment insurance. We’ve worked with event planners, promoters and coordinators across Australia – covering engagement parties and private functions through to fundraisers and gala dinners.

Frequently asked questions

A certificate of currency verifies your insurance policy. It lists details like the expiration date, policy limits, and the names and addresses of insured parties and properties. If a venue requires you to have insurance as a condition of hire, you can present it to them as proof.

Once you’ve paid for your small event insurance policy, we’ll send you your certificate of currency automatically. It should appear in your inbox within a few minutes.

Your certificate of currency – also known as a certificate of insurance – expires on the same date as your event insurance policy. Event insurance only covers a single event, so it can’t be renewed.

Yes. You can contact Marsh to add a new interested party to your certificate of currency.

If an incident occurs, contact the Marsh events team as soon as you can. We want you to get the best possible outcome, so we advocate for you throughout the entire claims process.

Claims can be stressful, but – as the world’s largest insurance broker – we strive to make the process straightforward.

Interested parties are other companies or people who have a vested interest in your event’s risks being appropriately managed.

These include:

  • Financiers
  • Venue owners
  • Principal contractors.

They may request a copy of your certificate of currency with their name noted as an interested party. You can contact Marsh to add them.

Event insurance can’t cover mistakes made by third-party service providers – like caterers and band members. If a guest trips and falls over wires laid by a lighting technician, for example, event liability insurance can’t cover the consequences. Only that service provider’s insurance can.

The small events insurance policy we arrange can’t cover an event you host on your own property. It also can’t protect equipment used solely for personal purposes.

If you need to protect your personal belongings, you may want to consider home and contents insurance.

Small events can involve just as many risks as large events. Some common risks include:

  • Extreme weather forcing you to cancel or postpone
  • A performer or headline act failing to show up
  • Accidental damage to the venue you hired

Every event is unique. Factors like the size, location and turnover of your event all affect its risk profile.

Event insurance is a one-off insurance policy designed to cover a single event (which could span more than one day). Entertainment insurance is designed for event planners and organisers who plan to put on more than one event in a calendar year.

Find out more about our entertainment insurance solutions for multiple events and events with over 1,000 attendees.

The cost of event liability insurance for small events varies based on the category of the event. For Category A events, which typically include smaller gatherings such as private parties, community events, or small corporate functions, the insurance policy is priced at $275. Category B events, which may involve larger gatherings or higher-risk activities, such as festivals, concerts, or larger corporate events, are available for $475. If your event is expected to have over 1,000 attendees, the pricing may vary based on specific details and requirements. It’s best to contact us for a tailored quote that meets your event's needs.

Yes, it is advisable to have insurance for a fundraising event to protect against potential risks such as accidents or injuries, especially when large groups are involved. Public liability insurance is often required by venues and can cover claims arising from incidents during the event. Additionally, having insurance helps provide peace of mind, allowing you to focus on your fundraising efforts without worrying about financial liabilities.

Yes, it is recommended to have event insurance for your wedding to protect against unforeseen circumstances that could disrupt your plans. Wedding insurance can cover various risks, including vendor no-shows, or damage to property. It helps provide peace of mind, ensuring that you are financially protected against potential liabilities and allowing you to enjoy your special day with confidence. 

*Event insurance special conditions

  • Event duration up to 3 days.
  • Allowance for bump in (3 days) & bump out (3 days), in addition to event duration.
  • All Service providers to your event are required to carry their own insurance.
  • Excludes participation in Sporting/Novelty Events, Adventure Activities and the like.
  • Events must be held at an established venue such as pubs, clubs, entertainment centres & council owned venues including council owned and maintained parks and outdoor spaces with appropriate insurances in place.
  • Exclude events where activities involve any of the following:
    • BYO Alcohol,
    • Camping
    • Water Activities (including events on boats)
    • Open fires and activities on private property.
  • Number of attendees not to exceed 1,000 people.
  • Turnover for the event does not exceed $200,000.
  • Please note cover will commence at 4pm. Your declared event commencement date should take this into consideration.
  • If your event does not qualify for our online solution, please call our expert brokers on 1300 655 931.

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

LCPA 26/1596