Entertainment & Event Liability

Coversure is not able to deal, or advise, directly with businesses and we only accept insurance via licensed insurance brokers (AFLS holder). Insurance brokers also assist in selecting the most appropriate insurance to meet business needs. If your business does not have an insurance broker, the website www.needabroker.com.au may be of assistance to you.

Coversure has negotiated a liability insurance facility for Entertainmant & Events Industry Liability with Certain Underwriters at Lloyds.

The facility placement is made via a Line Slip with the assistance of Lloyds brokers. 

Coversure places a very high reliance on risk management, compliance documentation, and electronic data collection to mitigate and prevent loss.  New business submissions will require the inclusion of additional information and documented compliance procedures.

Expertise in Entertainment & Event Insurance

Coversure’s dedicated team brings extensive expertise in managing the diverse risk profiles within the entertainment and event industry. Our portfolio includes insurance policies for:

• Promoters and producers
• Concerts and stage productions
• Fairs and festivals
• Lighting and staging companies
• Conference organisers and event managers

We provide tailored insurance solutions for a wide range of activities, from small community events to large national stage shows and international concert tours. Policies can be arranged for annual coverage or shorter periods, depending on client requirements.

Submission Requirements

In order to obtain the most advantageous policy terms it is suggested submissions for insurance includes:

1. A signed and dated proposal.
2. Event Management or Event Operation Plan, which may contain:
   1. The operational and staffing plan for the event
   2. Detail of exhibition or events to be held during the event.
   3. A Risk assessment for the event(s) highlighting high, medium and low risks associated with the event(s) and how these are resolved,
      1. Risk assessment may consider issues arising from WH&S, weather, regulatory compliance, Australian Standards compliance, staff training, emergency and evacuation protocols, access to first responders, crowd control, drugs and alcohol.
3. Event map or diagram.
4. 5 years documented claims history on an underwriters or TPA’s letterhead including paid and reserve amounts
   1. For any risk with a claim or notification it is imperative there is a clear demonstration on the steps that have been taken to avoid future similar losses. This process should be evident in the Risk Assessment and Operational Plan with resulting updates to training or maintenance schedules and other documentation submitted for review.
5. For outdoor events an adverse weather policy and procedure is essential.

Our underwriter's experience enable them to understand your client's activities, processes and products, as well as the effect of their risk management procedures to tailor risk transfer solutions to the specific needs of their business.  We provide insurance for a wide variety of risks and exposures - from small community shows to large national stage shows and concert tours.  We provide policies for both annual or for short periods, all depending on the needs of your client.

Coverage Areas

Our Entertainment and Event Insurance products provide solutions for many activities including:

• Community group events
• Association fundraising
• Conference management and organization
• Festival organization
• Local and international artist tours
• Musicians, entertainers, and performers
• Promoters and producers of:
  • Live theatre
  • Music tours
  • Corporate events
  • Speaking tours
• Sound and lighting providers
• Sports and event management companies
• Venue proprietors
• Entertainment management

Coversure’s commitment to excellence ensures comprehensive coverage and peace of mind for clients across the entertainment and event industry.