Community Event Insurance

Tell us what you’re planning

Start on our homepage with your event type, dates and expected attendance. Choose the category that best matches your event and follow the prompts to get a live price. If your event needs a closer look, we’ll let you know what’s needed.

Why community events need insurance

Community organisers are often asked to provide evidence of public liability insurance before using a hall, park, school, council space or privately managed venue. It helps stakeholders understand that public liability cover is in place for the event.

The requested protection is commonly event public liability insurance → learn how event public liability insurance works.

Common community event examples

Community event insurance may be relevant for fundraisers, fetes, local markets, school community events, cultural gatherings, open days, workshops, club events, neighbourhood activities and other short-term public events. Your event details and the applicable product rules determine whether cover can be arranged.

Volunteers, suppliers and stallholders

Employees and volunteers are not treated as service providers under the supplier-insurance condition. If a volunteer causes injury to a member of the public or damage to third-party property while acting under the organiser’s direction, public liability may respond where the organiser is legally liable, subject to the policy terms, conditions and exclusions.

Public liability is not personal accident cover for volunteers. It does not automatically cover a volunteer’s medical expenses or lost income if they are injured while helping at the event. However, if the organiser is found legally liable for the volunteer’s injury, the public liability policy may respond to that liability, subject to the policy terms, conditions and exclusions. Consider whether separate volunteer personal accident cover is also required.

Service providers need their own public liability insurance of at least $20 million, while stallholders need their own public liability insurance of at least $10 million. Collect current Certificates of Currency before the event.

Planning these responsibilities early can make approval and event delivery clearer → use the event risk assessment guide.

Arrange cover before planning begins

When completing the quote, select the setup (bump-in), event start, event end and pack-down (bump-out) dates. Relevant planning meetings and site visits are automatically covered where they take place within the policy period, so purchase the policy before those activities begin.

Digital cover with human support

A faster digital quote process does not mean you are on your own. If your event needs extra review, or you are unsure what details to provide, Zipcova can help you understand the next step before your venue or council deadline.

Prepare for common approval requirements → review council and venue event insurance requirements.