Events can be small or large, but most take months to plan and cost a lot of money. They are a significant investment of both time and money. Despite all of your preparation and planning, you can’t really expect everything in your event to go as you would like. If a component of your event does not go properly or a guest gets injured at your event, it is possible that you may be sued for it. Having event insurance can help you protect your financial investment in your event, your name, and your reputation. Read on to learn more about event insurance and how important they are to any organisation.

Why Is Event Insurance Necessary?

Increasingly, more people, businesses and corporations are finding that events are a very popular way to make money. They are a great way to network, make new contacts, and socialise. Events are a great way to bring attention to your cause or organisation.

Why is event insurance so important? It’s not just for businesses but also for individuals. Basically, event insurance can help protect you financially if something does go wrong. With this, you can protect yourself, your guests, your reputation and your organisation. Event insurance helps you save from the financial consequences that could arise from misfortunes such as accidents, injuries, and property damages.

What Does Event Insurance Cover?

Event insurance covers a variety of things. Depending on the type of event insurance you get, the coverage can include general liability, auto, and property damage. A good event insurance policy will cover public liability, personal liability, special events, cancellation and postponement, special endorsements and more. Some policies may also include coverage for guest speakers, entertainers, contract workers, and volunteers.

What Does Event Insurance Not Cover?

Most insurance policies will not cover intentional acts such as an assault or an act that results in death. You will want to make sure that your insurance plan includes coverage for acts such as these. Event insurance will also not cover losses that are not related to your event, such as if your dinner guests are robbed on the way to your event.

What You Need to Know Before Purchasing Your Event Insurance

There are a few things that you can do to get the best policy possible.

1. Compare Policies from Different Insurance Providers

When you are shopping for your event insurance, you want to make sure to find the one that will give you the best coverage for your price. Event insurance policies vary in price, coverage, and features. By comparing policies, you can choose the one that is right for you.

2. Know the Maximum Excess that Your Insurance Provider Requires

Not all insurance companies will cover the entire cost of the damage or injury that occurred during your event. Many insurance providers only pay out a certain percentage of the cost, often leaving you to pay for the rest. Make sure that you know the maximum excess required by your insurance provider.

3. Check the Exclusions

Most insurance policies have limitations regarding what they will and will not cover. Exclusions are typically very detailed in the event insurance plan. Make sure that you read the policy and know what will be excluded. For example, many policies will not cover injuries sustained by your guests that are related to their consumption of alcohol.

4. Ask For a Quote

When you are ready to purchase your event insurance, the first thing you need to do is ask your insurance provider for a quote. A quote is an offer of what your insurance policy will cost. You can obtain a quote by calling your insurance provider. Get a few quotes from different insurance providers to ensure that you are getting the best deal.


It’s important to take precautions when planning an event. The best way to do this is by purchasing your event insurance. Whether you are planning an intimate dinner party or a large-scale conference, event insurance can help protect you and your guests.

For your next event, consider booking Unidus Community & Conference Centre. We offer a multi-purpose venue that can host a variety of events, including weddings, birthdays, live performances, and funeral receptions. Our conference venue in Brisbane is the perfect place to host your event. Book Unidus Community & Conference Centre today and make your event extra special.