Instant Event
Liability Insurance.

$20m of Public Liability Cover — issued in minutes. No paperwork. No waiting.

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Get a live price in 30 seconds — no signup required.

  Instant pricing & cover
  Council & venue approved certificate
  PAYG pricing that beats annual cover
  Backed by A+ rated insurers of 90,000+ events

“Approved and fully insured in minutes. Fantastic service.”
– Flow Music, event organiser

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Event type

Total attendance (all days)

Event start

Event end

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Your Estimate

Subject to Excluded Activities

Trusted by Australia’s best-run events

Policy pricing based on data from 90,000+ events — not one-off applications.

Switch to Zipcova in minutes

Get your instant price in 30 seconds — and full cover in under 4 minutes. No PDFs, no delays.

Answer a few easy questions

Enter your event details — just the basics to generate your instant price.

We assess your risk instantly

Our underwriting engine analyses your event using data patterns from 90,000+ insured events — not one-off applications.

Get an instant, live quote

See your public liability quote live on screen — adjust details and watch pricing update instantly.

Pay and get covered with A+ rated insurance

Pay securely online and receive your policy documents and certificate instantly — ready to send to your council or venue.

Better data. Faster cover. Lower premiums.

$20m

Public Liability

Covers injury to third parties or damage to their property during your event.

$20m

3rd Party Property Liability

Covers accidental damage to venues or other third-party property.

$250k

Entrusted Property

Covers loss or damage to property temporarily in your care, custody or control.

Learn more about Public Liability Insurance and what it covers

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Underwritten by A+ rated insurers

Event organisers like you love us

Rated 5 stars by event organisers across Australia.

Love Lennox Festival

6 months ago

We were so fortunate to find Zipcova to insure our beautiful Love Lennox Festival this year. Their modern, user-friendly online platform made it incredibly easy to find the right cover for our...

Sotir Stojcevski

4 months ago

Very simple and fast service. After so many years dealing with complicated application forms for my festivals' Public Liability insurance, I found this team at ZipCova that make life much...

Sean McCrory

5 months ago

The service and support we received from Al Dart was first class and the coverage we received for our WA Coastal Running Festival gave us peace of mind.

Aaron Preston

5 months ago

Zipcova were the most helpful company I reached out to for public liability for my event where others failed to show any proper attention and threw me over the top expensive quotes, Zipcova had...

Ashley Tippins

a year ago

Event insurance has been a drama since Covid, but Zipcova took out the drama, made it a simple process, and saved us some money. Completing the online application form couldn’t have been easier. Al...

Protect your event in minutes.

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Frequently asked questions

Quick answers to what organisers ask us most.

In most cases, yes. Councils, venues and many grant bodies require proof of Public Liability before confirming your booking. Zipcova issues your Certificate of Currency instantly so you can secure approvals without delay.

For a deeper dive on why Public Liability matters — beyond regulatory or venue requirements — you can read our Event Liability Guide.

Zipcova covers a wide range of events — from community gatherings and workshops to markets, expos, festivals and cultural events. Cover includes site visits, planning meetings, setup and pack-down during the policy period.

You can explore the full list of supported event categories here (no personal info needed):
https://app.zipcova.com/event/new

The underwriting behind Zipcova is supported by claims data from 90,000+ events across 40+ countries. This means most common event categories — when selected from the defined list — can be safely assessed with just the basics: event type, location, dates and attendance.

This is why the event list in the quote form is predefined. It ensures only categories that can be confidently insured instantly are shown, without sending organisers through a long approval loop.

(If your event doesn’t neatly fit one category, see question 5.)

For a broader comparison of how this supports one-off (PAYG) vs annual cover, you can read our guide One-Off vs Annual Event Insurance: What Organisers Should Know.

To keep instant pricing fast and accurate, the quote form only displays event categories that can be underwritten safely using portfolio data.

If your event falls outside those categories, it may still be insurable — it simply won’t appear in the instant system.

(If you want something specific or unusual considered, see question 5.)

Often, yes. If your event category isn’t listed, or you have a unique element you’d like reviewed, we’re happy to take a look.

Contact us at hello@zipcova.com and include a brief description of your event.

Yes — typical event inclusions like food vendors, licensed areas, live music and stallholders are already handled within our normal underwriting rules.

However, Zipcova does not insure vendors, stallholders, performers, amusement operators or any other Service Providers. They must hold their own Public Liability insurance.

Our policy requires:

Service Providers (e.g., security firms, amusements, entertainers, food vendors, labour hire, venues, production companies) to hold at least $20 million Public Liability cover.
Stallholders to hold at least $10 million Public Liability cover.
Anyone serving alcohol on behalf of the organiser must hold RSA certification (Responsible Service of Alcohol).

This ensures your event meets insurer conditions and remains fully compliant.

(Employees and volunteers do not fall under this rule.)

You can read more about supplier and vendor responsibilities in our Event Liability Guide.

Yes. PAYG applies for the entire policy period you select — including site visits, planning meetings, setup and pack-down, not just the event days.

Yes. Our Certificates of Currency are accepted just like any other A+ rated insurer, and they’re available instantly once you bind cover.

All Zipcova instant-quote policies provide $20 million Public Liability, which meets the requirements of councils and most venues.

If you require a higher limit (e.g. $50 million), we can arrange this through our manual pathway — contact hello@zipcova.com.

Just reach out — many changes are simple. If your event date shifts or is cancelled, we’ll walk you through your options, including credits or refunds where applicable.

Excluded Activities

section icon High-Risk Sports & Challenges

Firearms, weapons or hunting (e.g. game hunting, target practice)
Air, aerial & freefall sports (e.g. skydiving, hang-gliding, bungee jumping, trampolining)
Climbing & vertical challenges (e.g. wall climbing, caving, abseiling)
Extreme terrain & high-intensity endurance events (e.g. mud runs, obstacle courses, speedway, self-powered events exceeding 100km in distance)
High-speed ice sports (e.g. bobsleigh, skeleton)
Professional or paid sporting events
Riding, racing or board sports (e.g. skateboarding, snowboarding, skiing, horseback riding, bull-riding, motor bike racing, car racing, e-scooters, e-bikes, e-boards, gravel riding)
Contact or combat sports (e.g. boxing, wrestling, martial arts)
Urban movement / parkour

section icon Water & Air Activities

Underwater activities (e.g. scuba diving, underwater fishing, spearfishing)
Water-based exhibitions (open water boat shows, etc.)
Water sports (e.g. surfing, yachting, windsurfing, kitesurfing)
Inflatable water or land courses
Aviation activities (e.g. non-commercial flights, helicopter rides)

section icon Entertainment & Event Types

Acrobatics, stunts, aerial or fire-performance acts involving performer injury or audience participation (spectator liability is still covered)
Extreme performances (e.g. walking on hot coals or nails, sword swallowing)
Adult-themed or explicit content events (e.g. bucks or hens' nights, events of a sexual nature)
Social or relationship-based events (e.g. speed dating)
Bar crawls, pub crawls or drinking competitions
Raves are excluded, unless held in a hired venue with security and third-party alcohol service. High-risk crowd behaviours (e.g. mosh pits, body surfing) are also excluded

section icon Other Excluded Activities

Firepits, unless monitored by a safety marshal
Offshore or dangerous industrial settings (e.g. oil rigs, offshore platforms, abandoned buildings)
Political events, protests, rallies or activist marches

section icon Other Excluded Activities Unless run by a third-party supplier holding their own $20m public liability insurance

Activities using sharp tools (e.g. wood carving)
Amusement rides or mechanical attractions
Animal, wildlife, insect or reptile shows or interactions (e.g. petting zoos, dog shows)
Jumping castles or inflatable slides
Mechanical bull-riding

Instant Event
Liability Insurance.

Trusted by Australia’s best-run events

Switch to Zipcova in minutes

Answer a few easy questions

We assess your risk instantly

Get an instant, live quote

Pay and get covered with A+ rated insurance

Better data. Faster cover. Lower premiums.

$20m

Public Liability

$20m

3rd Party Property Liability

$250k

Entrusted Property