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Compare one day event insurance from UK insurance providers

If you’re planning to organise a one day event, insurance can be a top priority.

Let Quotezone try to take the hassle out of finding your one day event insurance

Simple event insurance coverage is sometimes not adequate, and it can therefore be advisable to compare online to locate bespoke liability insurance for one day event coverage that is tailored to your needs. One day special event insurance could provide you with financial protection and peace of mind, should any incident occur, and could allow you to concentrate on doing what you do best; making your event a success.

Event insurance for one day proceedings may vary considerably, depending upon the nature of the event that you are arranging. Subsequently, prices may vary immensely. An intimate event, such as a wedding, is unlikely to require the same one day event insurance coverage as a public festival or fete. When you compare the market for options, it can be a good idea, as a fundamental part of your comparison, to think about the nature of the cover you require, and to think carefully about issues such as public liability, theft, loss and damages to equipment and property.

We know that shopping for cheap one day event insurance can be difficult. Quotezone aims to provide a simple solution to this problem. We compare policies from our panel of UK one day event insurance providers to help find cheap deals for you.

“Public liability insurance isn’t a legal requirement for event organisers, although some venues may insist that you take out this kind of policy in time for the big day. But even if the venue for your own event doesn’t require you to have One Day Event Insurance it’s definitely worth considering, because otherwise you could be held personally liable if your guests get food poisoning or someone is injured by your equipment.” – Greg Wilson, Founder of Quotezone.co.uk.

Single and one-off events

Single event insurance works in the same way as one day cover. You arrange a policy for one event, such as a party, fete, show or fundraiser, rather than an annual policy.

What can cover for a single event include?

Public liability is usually the main part of the policy, for injuries to guests or damage to their property. Depending on the provider, you may be able to add:

• employers’ liability, if you pay anyone to work at the event. It’s a legal requirement once you employ staff, unless an exemption applies (GOV.UK)
• volunteers, who insurers usually cover under an existing employers’ liability policy. Depending on how they actually work for you, a volunteer may count as an employee, says the HSE
• equipment, including hired items such as a marquee, staging or sound system
• cancellation, if the event is called off or postponed for a reason the policy covers
• bad weather cover for outdoor events, where the provider offers it
• product liability, if you serve or sell food and drink

Check that the policy covers setting up and clearing away, as well as the event itself.

What affects the cost of insuring a one-off event?

Providers usually look at:

• the type of event, and any higher-risk activities
• how many guests you expect
• how many staff and volunteers you have
• the venue, and whether you’re indoors or outdoors
• the equipment you bring or hire
• the limit of cover you choose, or the venue asks for
• whether you’re selling food or alcohol

A craft fair and a beer festival with live music will be priced very differently, even if both last a day. Quotezone lets you compare policies from specialist providers, so you can weigh up the cover as well as the price. See our main events insurance page for other kinds of event.

Venue and council rules for one-off events

Even for a single date, the venue or landowner may set a minimum level of public liability cover. North Somerset Council, for example, asks anyone using its land or facilities for at least £5 million of cover, lasting for the whole activity (North Somerset Council).

It also asks that contractors and entertainers working at the event, such as a DJ or band, hold their own public liability with at least £5 million of cover. Ask your performers and suppliers for a copy of their certificate before the day.

Do I need a licence for a one-off event?

You may need a Temporary Event Notice (TEN) from your council to carry out a licensable activity on unlicensed premises in England or Wales (GOV.UK). Licensable activities include selling alcohol, putting on music or dancing, and serving hot food or drink between 11pm and 5am.

A TEN covers events with fewer than 500 people at all times, including staff, that last no more than 168 hours. You must apply at least 10 clear working days before the event, and you can get up to 5 a year, or 50 with a personal licence (GOV.UK).

Tell your insurer if you plan to sell alcohol, as it may change the cover you need and the price.

How much public liability cover do I need for one day?

Start with the highest limit your venue, landowner or council asks for. Three councils we checked, Arun, North Somerset and Wakefield, each ask for at least £5 million, and Arun asks for £10 million for larger events or road closures (Arun, Wakefield).

If nobody gives you a figure, compare quotes at a few different limits on Quotezone and see how much the price changes. If you hold events regularly, an annual public liability policy may suit you better than buying cover for each date.

You might also need

If you organise events for clients, see event planner insurance. Hiring a pitch or track for a tournament or sports day? Our page on insuring a sports event covers the extra risks.