Protect against the unexpected during events
Organising an event is an exciting endeavour that requires seamless execution to create an unforgettable experience. However, amidst the planning, it is critical for event organisers to consider the importance of liability protection. Events can be unpredictable and having the right insurance helps cover your business and allows you to focus on delivering an exceptional experience.
Why you need event liability insurance
Accidents happen, and you need coverage to avoid potential financial and legal repercussions. Liability for property damage or bodily injury can arise from incidents during the event ranging from minor damage to the venue’s furniture to more serious situations such as fire on the premises. Injuries may also vary, from minor slips and falls to severe scenarios such as the collapse of props onto performers or the audience.
With event liability insurance, you are protected against claims made by third parties against you for:
- Property damage and injuries occurring during set-up and take-down at the venue
- Costly lawsuits arising from injuries and damage occurring during the event
- Cyber-attacks resulting in breaches of personal data collected during the event
- Liquor liability incidents
- Terrorism incidents
- Injury to artist, event participants
You are also covered for benefits and mitigation costs such as:
- Medical expenses
- Crisis management expenses
Protecting a wide range of events
At Chubb, we understand the unique challenges that event organisers face. We cater to a wide range of events, ensuring that you have the protection you need for any occasion, including:
- Concerts, plays, musicals, and theatre productions
- Music festivals and countdown parties
- Conferences, meetings, and talks
- Community events
- Exhibitions
- Fashion shows and food festivals
- International sports events and movie premieres
- Product launches and various indoor/outdoor events
Are you adequately insured?
To better understand the risks during an event, here are examples of actual loss scenarios that have occurred:
- Strong winds at an outdoor concert caused the collapse of the stage and staging equipment, resulting in injuries to concertgoers.
- During a performance, stage lighting fell, seriously injuring several performers and audience members.
- An outbreak of food poisoning at a convention centre left hundreds feeling sick, with 25 people admitted to the hospital.
- Distributing freebies during a concert led to a rush of fans towards the stage, causing some to faint and requiring the concert to be halted. It resulted in crush injuries and mental anguish among concertgoers.
- A stampede occurred at a sports event when the police tried to take control after fans invaded the venue.
- At a banquet, temporary staff accidentally spilled a hot beverage on guests, resulting in burns and liability for medical expenses and treatment.
Organisers need coverage against these scenarios and more.
Extensive Coverage
Going beyond coverage for injuries and property damage, we cover additional risks such as personal data breaches, cyber-attacks, liquor liability and terrorism.
Tailored Solutions
Whether you need coverage for a single event or want the convenience of an annual policy, we provide flexible options based on your event requirements.
Peace of Mind
Focus on what you do best – creating unforgettable experiences – while having the confidence that you're financially protected against unforeseen incidents.
Access to expertise
We bring a wealth of experience together, because the biggest challenges need to be met by broad and deep expertise.
First-class claims management
Our expert claims handlers support clients through each stage of their claim. We’re quick to respond and act decisively.
All claims are subject to the terms and conditions of the Policy. Please refer to the relevant Policy Wording for the full insuring clauses, definitions, schedule, extensions, terms, conditions, exclusions and limits of liability of the Policy. Claims will be assessed, and outcomes may differ, on a case-by-case basis.
