Guaranteed security for your events
Organizer liability insurance - what is it?
Whether it's a concert, trade fair, company celebration or sporting event - as an organizer, you bear a great deal of responsibility. Unforeseen incidents can lead to considerable claims for damages. Event organizer liability insurance offers optimum protection against the financial consequences of these risks.
Facts & Figures
FAQ on organizer liability insurance
In our FAQ, we have summarized the most frequently asked questions about event organizer liability insurance for you. Our experts will also be happy to provide you with individual advice.
Events involve numerous risks where guests, participants or third parties can be injured. Without insurance, the organizer would have to cover all costs themselves, which can quickly threaten their existence. Insurance therefore offers financial protection and security.
Organizer liability insurance typically covers the following losses:
- Personal injury: costs for medical treatment, compensation for pain and suffering, loss of earnings and pension payments
- Property damage: repair or replacement costs for damaged or destroyed property
- Financial losses: financial losses incurred as a result of personal injury or property damage
As a rule, the following are not covered
- Damage caused intentionally
- Damage caused by gross negligence on the part of the organizer
- The organizer's own damage (there is special event insurance for this)
- Damage caused by criminal acts
- Event agencies: companies that plan and organize events
- Individual event organizers: individuals or organizations that organize one-off or occasional events
- Associations and non-profit organizations: for the organization of club parties, charity events or other events
- Companies: for corporate events such as company anniversaries, trade fairs or customer events
Yes, there are specialized insurances for different types of events, such as concerts, sporting events, fairs, festivals, weddings and company parties. These insurance policies take into account the specific risks and requirements of the event in question.
Event insurance offers comprehensive cover for various risks that may arise in connection with an event. In addition to liability insurance, this also includes protection against cancellation, demolition, weather risks and damage to rented or borrowed items.
Extended liability insurance offers protection for claims that occur after the end of the event but were caused during the event. This is particularly important for event agencies and organizers who regularly organize events.
- Damage caused by intentional or grossly negligent behavior
- Damage caused by unauthorized changes to the venue
- Damage caused by criminal acts
- Damage caused by events that were held in violation of legal regulations
Further insurance solutions
In addition to organizer's liability insurance, we also offer numerous other insurance solutions that may be of interest to you.
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