Cancellation insurance covers your unavoidable financial loss that arises when circumstances beyond your control mean you have no choice but to cancel your event. Perhaps it’s too windy for your marquees to be used safely, or your keynote speaker has been delayed due to travel disruption.

Circumstances beyond your control can arise at any time, impacting your event and putting your business at risk. Cancellation insurance is peace of mind; if your event is cancelled due to unforeseen circumstances, your policy will cover the cost of unavoidable financial losses.

This can include both public liability and employers’ liability insurance.

Public liability insurance will cover your costs should a member of the public get injured, die, or have their personal belongings damaged and/or stolen. These costs could include legal fees, or compensation awarded to the injured individual by the courts.

Employers’ liability insurance will cover your costs should a member of your staff get injured, die, or have their personal belongings damaged. These costs could include legal fees, or compensation awarded to the injured individual by the courts. Although many event organisers do not have permanent full-time staff, employers’ liability also covers freelancers, volunteers, and casual staff.

Remember, even if injury, death, or damage to property is not your fault, you may still need to prove it in a court of law, and lawyers are expensive!

Liability insurance covers you if someone is injured at your event. Unfortunately, accidents can happen - and whilst you focus on making your event enjoyable, safe, and successful, Vento liability cover will protect you if compensation or legal fees need to be paid.

If you are employing staff, freelancers, casual workers, or volunteers at your event, then you are required by law to have employers’ liability Insurance.

Whilst public liability insurance is not a legal requirement, many venues and local authorities will not grant you permission to run your event without it (check your venue hire agreement!). Even if you're organising a private event, taking out a public liability insurance policy is vital to protect yourself against unexpected costs e.g., legal fees in the event that you get sued by a member of the public covered by the policy.

Property damage insurance covers you in case property and/or equipment that you own or hire is accidentally damaged during the course of your event.

Many events will hire equipment such as sound systems, lighting, generators, plant machinery, or marquees. In most cases, your supplier of this equipment will require you to insure the equipment against damage. Some companies refer to this as “hired-in plant insurance”.

Simply click on ‘Get instant quote, fill in some questions (usually around 10-15 questions which takes approximately 3 minutes), and review your quote. You can pay straight away online, or generate an invoice to send to someone else. Your cover will start automatically from the selected start date (we cannot insure events that start in the next 14 days).

We will send you a copy of your policy documents by email, and you can access these whenever you like by logging in to your Vento dashboard.

We offer insurance for pretty much every type of event out there! There is a dropdown list of all our event ‘types’ within the quote form - 274 in total - if your event type is not in this list please contact us directly so we can put together a more personalised quote for you.

Unfortunately, due to the impact of the recent pandemic, there is no cover available for loss caused by transmissible disease.

As a guide, cancellation insurance costs between 0.5-3.5% of the total revenue or total costs of your event, depending on your type of event and the insurance cover you would like to buy.
Public liability costs start from £50 per event, but this number can be influenced by the answers you give when building your quote. Employers’ liability starts from £50.
Property Damage and Lost Cash policies (up to the value of £25,000) are at no extra cost if bought alongside Event Cancellation. As a standalone product the prices range from 0.25%-0.35% of the value of the property/cash you are covering, depending on the length of your event.

Yes, you have a 14-day cooling off period. This means you have the ability to cancel your insurance with a full refund should you wish to change your mind (assuming no claims have been made).

Once 14 days has passed, there are further opportunities to get a full or partial refund which are detailed in the policy contract.

In the case of most cancellation policies, you can get a full refund if you cancel the policy 90 days or more prior to your event. Even if you cancel within the 90-day period, there remains an opportunity to recover a proportion of your premium.

For liability, property/equipment damage, and money insurance policies, a full refund can be claimed right up until the day before your event set up begins.

Please refer to your policy documents which clearly indicate who to contact.

Yes, please contact us through the chat feature by clicking the button at the bottom right of your screen. We have dedicated support staff to help with any queries you may have. If you prefer email, please contact us at info@ventoinsurance.com.

We recommend buying insurance as far in advance as possible, as this allows you the opportunity to protect yourself from the unknown.

We recommend purchasing your cancellation policy before the point at which you start spending money on your event. For larger events, this could be up to one year in advance - but for smaller events three months may be appropriate. We do not recommend buying insurance within 3 weeks of the event taking place, and we cannot offer cancellation insurance for events starting within 14 days.

You should purchase your employers’ liability policy before the point at which your staff start working on your event. If you have permanent staff, your policy should cover you all year round.

Public liability insurance must begin before event attendees arrive at the site, but bear in mind it must also be in place if non-attendees are accessing your event location while you are there - for example in a public park. It is sensible to arrange your public liability policy at least 3 months before your event.

Your venue’s liability insurance will cover injuries or loss as a result of their actions only. It does not cover such instances as a result of your acts or omissions. For this reason, most venues will require hirers to have their own insurance.

Venues do not typically have cancellation insurance that applies to hirer’s events.