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Event Insurance Guides

Event Liability Insurance

Event liability insurance helps organisers prepare for third-party injury or property damage risks connected with running an event. It is commonly raised by venues, councils and event partners.

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Why event liability matters

Events bring together attendees, suppliers, contractors, volunteers, venues and public spaces. If someone alleges they were injured or their property was damaged because of the event, public liability cover may respond, subject to the policy terms, conditions and the facts of the claim.

Public liability is the principal cover usually discussed in this context explore event public liability insurance in more detail.

What organisers are usually asked to provide

Event organisers are often asked to provide a Certificate of Currency showing the insured name, event details, policy period, public liability limit and any interested parties. The required wording can vary between venues, councils and permit documents.

The required evidence is commonly supplied through a Certificate of Currency see what an event Certificate of Currency should include.

Information that helps the quote process

Zipcova turns event requirements into practical quote details: event type, location, dates, attendance, required limit, certificate wording, bump-in and bump-out dates and any activities that may need additional review.

Service providers and stallholders

Zipcova’s policy is for the event organiser. Service providers must carry their own public liability insurance of at least $20 million, and stallholders must carry their own public liability insurance of at least $10 million. The organiser’s policy does not replace cover required from those parties.

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Check a live price for eligible event liability cover without long forms or unnecessary delays.

Read the event liability insurance guide

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Frequently asked questions

Quick answers to common questions from event organisers.

Event liability insurance usually refers to public liability cover arranged for an event organiser. It is designed to respond to certain third-party injury or property damage claims connected with the insured event, subject to the policy wording.

Not automatically. A venue’s policy protects the venue according to its own terms and does not necessarily insure the organiser. Venues commonly require organisers to arrange their own cover and provide a Certificate of Currency.

Use the limit specified by the venue, council, landholder or contract. Many Australian event requirements specify $20 million, but organisers should confirm the exact amount and wording before completing cover.

The organiser’s policy does not replace insurance required from stallholders or service providers. Stallholders must hold at least $10 million public liability insurance and service providers must hold at least $20 million.

Confirm the insured organiser name, event name, location, attendance, policy period, liability limit, interested-party wording, setup and pack-down dates, and any activities requiring review.
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