How to use these examples
The information an organiser needs depends on the event type, activities, people involved and the requirements of the venue or council.
These examples show the practical questions to work through before checking a live price. They do not automatically confirm that another event is eligible. Always select the event type that accurately describes what you are organising and enter the actual event details.
Check the requirements for your event review event eligibility and buying online.
Example 1: a wedding at a hired venue
An organiser is planning a wedding at an established hired venue. By selecting “Private event?” and “Wedding at a Hired Venue” in the calculator, the organiser can arrange insurance without an ABN.
The organiser confirms the legal name to be insured, the venue’s required Public Liability limit, the expected attendance and the full period requiring insurance.
Every service provider must carry their own Public Liability insurance of at least $20 million for any one claim. If the organiser is responsible for serving alcohol, everyone serving it must hold the required RSA qualification or equivalent.
What the organiser needs to check
- The event matches the available wedding category
- The wedding will be held at an established venue
- Independent service providers hold the required insurance
- The policy period includes relevant planning meetings, site visits, setup, the wedding and pack-down
Example 2: a community fundraiser
A community organiser is planning a free fundraiser involving independent stallholders and service providers. Free admission does not remove the organiser’s responsibilities or the venue and council insurance requirements.
An ABN is required because a community fundraiser is not one of the eligible Private Event categories. The organiser selects the available event type that accurately describes the fundraiser and confirms the expected attendance, dates and planned activities.
For a general or business event, service providers must carry their own Public Liability insurance of at least $20 million for any one claim. Stallholders must carry their own Public Liability insurance of at least $10 million for any one claim.
What the organiser needs to check
- The correct available event type has been selected
- The organising entity has an ABN
- Stallholders and service providers hold the required insurance
- Every planned activity meets the applicable requirements
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Example 3: an exhibition
An exhibition organiser books a venue and coordinates exhibitors, contractors and equipment providers. The online product is intended for the organiser’s event Public Liability exposure. It is not standalone insurance for each exhibitor’s trading activities, stock, exhibits, equipment or ongoing operations.
Independent exhibitors, contractors and equipment providers remain responsible for insurance appropriate to their own activities. Where a participating business is a service provider, it must carry at least $20 million Public Liability insurance for any one claim. Where it is a stallholder, it must carry at least $10 million for any one claim.
What the organiser needs to check
- The quote is for the exhibition organiser
- Exhibitors and contractors hold their own appropriate insurance
- The policy dates include applicable installation, setup and pack-down periods
- The venue’s required Public Liability limit and certificate details have been confirmed
Learn more about exhibition insurance read the exhibition and conference organiser guide.
Event insurance planning checklist
Gather the following information before checking a live price:
- Organiser’s legal name and ABN, where required
- Event name and the available event type that accurately describes it
- Event location and state
- Expected total attendance across all days
- Event activities and activities supplied by third parties
- Planning, setup, event and pack-down dates
- Venue or council Public Liability requirements
- Any interested party that needs to appear on the certificate
- Suppliers, stallholders and their current insurance documents
Check the Certificate of Insurance
When the policy documents arrive, check the insured entity, event name, event dates, event location, Public Liability limit and any interested party added during purchase. If a detail is incorrect, contact Zipcova rather than altering an issued certificate.
Learn what the certificate should show review the event certificate guide.
What does interested party mean?
Noting a venue, council or landholder as an interested party records its interest in the insurance connected with your event and allows its details to appear on the Certificate of Insurance. This can help the organisation match the certificate to its booking, permit or approval requirements.
Being noted as an interested party does not make the venue or council the insured or extend the organiser’s insurance to that party’s own liabilities.
Prepare for venue and council requirements review the council and venue insurance guide.
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Get Live Price Get Live PriceFrequently asked questions
Quick answers for applying the event organiser examples to your own event.
The examples show how different event organisers can prepare the information commonly needed when arranging insurance. They are not automatic confirmation that a particular event is eligible.
Select the event type that accurately describes what you are organising, enter the actual attendance, dates and location, and check that the planned activities meet the applicable requirements.
Yes. An ABN is required for community events, including fundraisers, even where admission is free or the event is organised on a not-for-profit basis.
The standard ABN exemption applies only to the ten eligible Private Event categories available through the online quote system. Free admission, private organisation or not-for-profit status does not create a separate exemption.
Yes. The event organiser's Public Liability insurance does not replace the insurance required by independent exhibitors, stallholders, contractors and other service providers.
For general and business events, every service provider must carry their own Public Liability insurance of at least $20 million for any one claim. Every stallholder must carry their own Public Liability insurance of at least $10 million for any one claim.
Keep a record of each participating business and collect current Certificates of Currency before the event.
Select a period that includes planning-related meetings for the insured event, site visits, setup or bump-in, the covered event period, and dismantling or bump-out.
Check the full event schedule before purchasing so the dates selected include every stage that needs to fall within the insured period.
Noting a venue, council or landholder as an interested party records its interest in the insurance connected with your event and allows its details to appear on the Certificate of Insurance.
This helps the interested party match the certificate to its venue booking, permit or approval requirements. It does not make that party the named insured or insure its own separate legal liabilities.
A request to name a venue or council as a principal is different from noting it as an interested party and should be raised before purchasing.
High-Risk Sports & Challenges
Water & Air Activities
Entertainment & Event Types
Other Excluded Activities
Other Excluded Activities
