Event Insurance Guides

Public Liability Insurance for Food and Wine Events

Great food, good wine and people coming together. Whatever’s on the menu, Zipcova gives organisers a simpler way to get public liability pricing for eligible food and wine events.

Published: 26 October 2026

A live price without the back and forth

Use the calculator on our homepage to tell us what you’re planning. Choose your event type, have your dates and expected attendance ready, and follow the prompts. Review the details before completing cover.

From festivals to tastings

The calculator includes categories for eligible food and wine festivals, food and drinks festivals, beer and BBQ festivals, and food, wine and spirits tastings.

Choose the available event type that most accurately describes your event. Before continuing, check that the event does not include any excluded activities. The excluded activities are listed below the calculator and throughout the quote and purchase process.

You can also view the excluded activities here.

Need public liability cover for your event?

$20m of public liability cover. Get a live price in 30 seconds and full cover in under 4 minutes.

Get Live Price → Get Live Price →

Instant pricing and cover are available for eligible events.

Keep organiser and vendor cover clear

The event organiser’s public liability cover and a vendor’s business insurance do different jobs. This page is for organisers arranging cover for the event. It is not standalone insurance for food trucks, stallholders, caterers or other participating businesses.

Stallholders need their own public liability insurance of at least $10 million. Food vendors, caterers and other service providers need their own public liability insurance of at least $20 million. Collect current Certificates of Currency before the event.

Check the documents supplied by participating businesses review supplier Certificate of Currency requirements.

Alcohol service at food and wine events

Include accurate alcohol-service details during the quote process. Anyone serving alcohol on behalf of the organiser must hold the required RSA qualification or equivalent, and the event must comply with the applicable liquor-licensing requirements.

Running a market as part of the event

Food and wine events often involve several independent vendors, stallholders and service providers. Keep a record of each participating business, what it does and whether its insurance remains current for the event date.

Learn more about the organiser’s responsibilities explore the market organiser guide.

Put insurance on the sorted list.

Start with a live price for the food, wine or tasting event you are organising.

Explore the market organiser guide

Get Live Price Get Live Price

Frequently asked questions

Quick answers for food and wine event organisers.

The calculator includes food, wine and spirits tasting categories. Online pricing and cover are available where the event matches the selected category and meets the applicable product and underwriting rules.

No. The organiser’s event cover does not replace the insurance required by participating businesses. Stallholders need their own public liability insurance of at least $10 million. Food vendors, caterers and other service providers need their own public liability insurance of at least $20 million.

Include the market and participating-business details when arranging cover. Keep a record of each vendor, what it does and whether its insurance is current for the event date. The market organiser guide explains these responsibilities in more detail.

Select the setup (bump-in), event start, event end and pack-down (bump-out) dates. Relevant planning meetings and site visits are included where they take place within the broader selected policy period. Check the required policy dates and certificate wording with the venue before completing cover.

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, motorbike racing, car racing, go-karts, billy karts, 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, spearfishing, underwater filming)
Water-based exhibitions (e.g. open water boat shows, regattas, jet skis, watercraft demonstrations)
Water sports (e.g. surfing, windsurfing, kitesurfing, wakeboarding, yachting, paddle sports)
Inflatable water or land courses (e.g. inflatable parks, floating structures, obstacle courses)
Aviation or aerial activities (e.g. non-commercial flights, helicopter rides, hot air balloons, skydiving, gliding)
Drone or unmanned aerial devices (e.g. aerial photography, aerial filming)

section icon Entertainment & Event Types

Circus performances, shows or events
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)
Political or culturally sensitive events with heightened protest, unrest, violence, property damage or security concerns, including protests, rallies or activist marches
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)

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

Public Liability Insurance for Food and Wine Events

A live price without the back and forth

From festivals to tastings

Need public liability cover for your event?

Keep organiser and vendor cover clear

Alcohol service at food and wine events

Running a market as part of the event

Put insurance on the sorted list.

Frequently asked questions

Features

Resources

Company

A live price without the back and forth

From festivals to tastings

Need public liability cover for your event?

Keep organiser and vendor cover clear

Alcohol service at food and wine events

Running a market as part of the event

Put insurance on the sorted list.

Frequently asked questions

1. Can I get a live price for a tasting event?

2. What if alcohol is served?

3. Are food vendors and stallholders covered by the organiser’s insurance?

4. What if the event also includes a market?

5. What dates should the policy cover?

Features

Resources

Company