FAQs



WHAT IS EVENT INSURANCE?

Event insurance refers to a range of covers designed to protect your event. This can range from event cancellation, to liability coverage for damage to third parties. Cover is tailored to the individual needs of each event organiser and event.

CAN YOU INSURE AGAINST BAD WEATHER?

Yes, the cover can be extended to include adverse weather. If the event is taking place indoors then cover is automatically included however if the event is outdoors or under temporary structures, the cover will be underwritten accordingly and an additional premium charged.

CAN YOU INSURE AGAINST POOR TICKET SALES?

Unfortunately lack of interest or poor attendance and ticket sales would be considered a trading risk and not covered by event insurance.

WHEN SHOULD I ARRANGE COVER?

Cover should be taken out as early as possible however it is not possible to insure against adverse weather less than 14 days prior to the start of the event set up. Arranging cover early gives the best value for money and the premium must be paid before the event takes place. The later the purchase is left, the more likely that a cause of disruption will be excluded.

CAN YOU INSURE FOR CANCELLATION DUE TO AN ACT OF TERRORISM?

Yes, insurance can be provided to protect income or expenses as the result of an act of terrorism. The cover will depend on where you are based and where the event is taking place. Fear of terrorism, or disinclination to attend an event due to a terrorist act cannot be covered however the threat of terrorism can be; provided this is dictated by the local police or security services.

DO YOU PROVIDE SHORT TERM LIABILITY INSURANCE?

Yes, our bespoke short period liability insurance is specifically designed for individual events (or possibly a number of events over a short period of time). Our annual policies are designed to cover the whole business for the year, since we recognise that potential liabilities don't start and finish with the event.

IF MY EVENT HAS BEEN CANCELLED DUE TO COVID-19, AM I COVERED?

No, the policy contains a full Communicable Disease exclusion which means that unless the communicable disease originated and manifested itself within the confines of your venue, there is no cover unless you also purchased the Communicable Disease extension.

MY POLICY INCLUDES COVER FOR COMMUNICABLE DISEASE, AM I COVERED IF I HAVE BEEN FORCED TO CANCEL OR POSTPONE MY EVENT?

Yes, your policy will react to the current NZ Government guidelines under Alert Level 4 and any irrecoverable expenses or reduction net profit will be covered in line with the terms and conditions of the policy.

CAN I PURCHASE THE COMMUNICABLE DISEASE EXTENSION FOR MY REARRANGED EVENT?

No, the communicable disease extension to the policy is not available at the current stage. The current Covid-19 pandemic is now a known event, therefore, any cancelation or postponement wouldn't be unforeseen.