Start with a few event details
Use the calculator on our homepage to get a live price. Have your event type, dates and expected attendance ready, then follow the prompts. You can review your details before completing cover.
What is one-off public liability insurance?
One-off public liability insurance is arranged for a specific event or defined policy period. It can be useful where you need cover for a single event, a short run of event activity, or a venue or council requirement tied to one event.
Even a one-day event may need cover beyond the hours the public attends.
Review the wider timing considerations read the one-day public liability insurance guide.
PAYG cover for event organisers
Zipcova’s PAYG model is designed around event-specific pricing rather than forcing every organiser into annual cover. For many eligible events, you can check pricing online with a few key details, without long proposal forms. Some events may still need extra review.
Zipcova’s partner insurer draws on experience from more than 90,000 events across over 40 countries. That experience helps support pricing based on practical event details.
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.
Instant pricing and cover are available for eligible events.
Cover beyond the public event days
Organisers should arrange cover early enough for the policy period to include relevant planning meetings and site visits. When completing the quote, select the setup (bump-in), event start, event end and pack-down (bump-out) dates so the event and its physical preparation and removal periods are properly recorded.
One-off cover versus annual cover
One-off cover may suit occasional organisers, first-time events, single activations or events with a clear date range. Annual cover may be better if you run frequent events, repeated programs or ongoing operations that need continuous protection.
Read the detailed comparison before choosing a structure compare one-off and annual event insurance.
Can one-off cover be cancelled or postponed?
If an event is postponed, insurers may agree to amend the event date by endorsement where the underlying risk remains unchanged. The change should be requested and approved before the original policy expires. A broker administration fee applies to policy changes, and an additional premium may also apply where the policy period, attendance or underlying risk changes.
If the event is cancelled, the policy is non-cancellable and there is no return premium unless otherwise agreed by insurers. Check the event details and selected policy period carefully before completing cover.
When extra review may be needed
Some events need a closer look, especially where activities, attendance, location, alcohol service, infrastructure or supplier arrangements raise additional underwriting questions. If your event needs extra review, Zipcova will help you understand the next step.
