Event insurance
Secure your event with comprehensive insurance and create wonderful experiences, safely.Event insurance
Event organisers should always take different kinds of accidents and possible losses into account. From the event organiser’s perspective, insurance is a key part of public events be they bigger or smaller.
Event organisers have a responsibility to consider both personnel and property when taking out insurance. The insurance should cover both employees and event participants, and the entrepreneur themself. The most common and important insurance policies for event organisers are general liability insurance and accident insurance. They should also remember employer’s insurance contributions, such as employee pension (Tyel) and unemployment insurance.
You can find the insurance policies you need when organising one or several events on this page.
General liability insurance for events
The general liability insurance covers the audience, employees or other third parties for bodily injuries and material damage. Business liability insurance may also cover in situations where there have been issues with the maintenance of order, event supervision or the location, for example. When organising an event, it is always important to ensure the safety of the organisers and event participants.
You need business liability insurance for an event if, for example, the event requires permission from the authorities. General liability insurance can be granted to a company or association.
Personal insurance for event organisers
It is important that you get the required accident insurance policies for personnel involved in organising an event in case of any accidents or injuries. With accident insurance, you can protect the event participants in addition to the company’s personnel. The workers’ compensation insurance is mandatory for employers with hired employees.
The employer must also take care of statutory employee’s insurance, which include employees’ pension insurance TyEL, occupational accident and occupational disease insurance, employees’ group life insurance, the unemployment insurance contribution, and the health insurance contribution.
Insurance for equipment and property used in an event
When organising an event, you often need equipment and tools, for which property and equipment insurance are important. Corporate property insurance protects your company’s fixed and movable property. Our property insurance covers sudden and unforeseeable loss or damage to your company’s fixed or movable property. These could be fire, leakage, burglary, storm, electric or breakage loss, for example.
Property insurance taken out for movables is usually valid at the place of insurance defined in the insurance policy, such as the company premises. If the movables are also used outside the place of insurance by design, it is a good idea to protect them with equipment insurance.
Event organising often involves moving goods and property and picking them up from different places. Equipment insurance provides extensive cover for your company’s equipment that employees carry with them. You also improve the risk management of company assets, and ensure the continuity of operations.
Equipment insurance is suitable for:
- phones, computers, payment terminals, measuring and research instruments, audiovisual equipment, musical instruments
- tools and supplies transported in vehicles that are used in installation and construction work.
Buying insurance
Our capable experts are happy to help you review the needs of your company and choose the best insurance solution for your event. Add the event’s information to your contact request, that is, an estimate of the number of participants, planned date and place, and whether the event you are organising will be subject to a charge. Don’t worry, we can check these details later too.
Submit a contact request and we will solve your company’s insurance needs together. We can give you an offer and price for all personal and entrepreneur’s insurance policies handily in one go.