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What Event Managers Are, and Aren’t, Covered For

Events are all about creating memorable experiences. Behind every successful event is careful planning, risk management and a clear understanding of who is responsible when things don’t go according to plan.

For event managers, insurance isn’t just another box to tick. It’s an essential part of delivering an event safely, professionally and with confidence.

We know great event management is about looking beyond what happens on the day and anticipating risks, understanding responsibilities and making sure the right protections are in place before the doors open.

Myth #1: “If the venue has insurance, we’re covered.”

A venue’s insurance primarily protects the venue and its own liabilities and doesn't automatically cover the event organiser, client, suppliers, performers or attendees. It's important event managers understand who is responsible for each activity and ensure the appropriate insurance is held by each party. Another one to watch is venue hire agreements, which can transfer certain risks and responsibilities back to the hirer. It's imperative to double check all insurances and not be caught out!

Myth #2: “Public Liability covers everything.”

Public liability responds to claims involving third-party personal injury or property damage arising from negligence and does not cover every event-related loss. Depending on the circumstances, separate cover may be needed for cancellation, adverse weather, equipment, workers, professional advice, cyber incidents, vehicles or alcohol-related risks. Policies also contain exclusions, limits and conditions. Simply having a certificate of currency does not guarantee every activity is covered and insurances need to be matched to the actual event activities and risk profile.

Myth #3: “The supplier’s insurance is their responsibility.”

Suppliers should hold appropriate insurance, but the event manager still needs a process to request and check current certificates before the event. Confirm the insured business name, policy period, level of cover and whether the policy appears relevant to the services being delivered.

Higher-risk suppliers such as amusement operators, contractors, security, temporary structures and activity providers may need additional documentation, licences or specific levels of cover. If an uninsured or inadequately insured supplier causes an incident, the client and event organiser could still be drawn into the claim. Supplier agreements should clearly state insurance, safety and indemnity obligations.

Risk Management Is Everyone’s Responsibility

An event manager cannot personally control every risk - we have established a strong framework, checking appropriate systems are in place and escalating issues when something does not add up.

Make sure to use the below checklist:

Identify the specific risks associated with the event
Confirm the client’s and organiser’s insurance arrangements
Understand the venue agreement and allocation of responsibility
Verify supplier insurance and supporting compliance documents
Put responsibilities into written agreements
Maintain a current risk assessment and emergency plan
Seek advice from an insurance broker where cover is unclear
Document decisions and keep records

Plan for the Unexpected

Insurance questions are only one part of the response. The event team needs to plan for the unexpected such as severe weather at an outdoor event. Let's use this example as it's important to understand:

Weather monitoring and decision-making thresholds
A postponement, cancellation or evacuation process
Clear authority over who makes the final decision
Supplier cancellation terms
Guest and stakeholder communication plans
Protection for equipment and temporary infrastructure
An understanding of which financial losses are—and are not—insured

We believe exceptional events are built on exceptional planning. From regional community events to major corporate experiences, our team brings the expertise, processes and industry knowledge required to manage complexity and deliver with confidence.

The best events are well managed from start to finish.

Disclaimer: This blog provides general information only and organisers should obtain advice from a qualified insurance broker or legal adviser for their specific event.

Event Insurance Myths