What is one-off public liability insurance?
One-off public liability insurance is arranged for a specific event or defined policy period. It may suit an organiser who needs cover for a single event, a short run of activity or a venue or council requirement tied to one event.
Events running for one day may still require a broader policy period review one-day public liability insurance considerations.
PAYG cover for event organisers
Zipcova’s PAYG model uses event-specific pricing rather than requiring every organiser to buy annual cover. Zipcova’s partner insurer draws on experience from more than 90,000 events written across 40+ countries. For many eligible events, that portfolio experience allows pricing to be based on practical details such as event type, location, dates and expected attendance, without a traditional proposal form, risk plan or site map. Some events may still require additional underwriting review.
Cover beyond the public event days
PAYG cover includes planning-related meetings, site visits, setup and pack-down during the selected policy period. The organiser should choose dates that reflect the complete period required for the event.
One-off cover versus annual cover
One-off cover may suit occasional organisers, first-time events, individual activations or events with a clear date range. Annual cover may be better for organisers running 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 your event is postponed, insurers can generally issue an endorsement to amend the event date at no additional cost, provided the underlying risk details remain unchanged. To allow this, the postponement should be requested before the original policy expires.
If the event is cancelled, the policy is generally non-cancellable and there is typically no return of premium unless otherwise agreed by insurers. Organisers should check the event details and selected policy period carefully before completing cover.
