During the Covid-19 crisis, we are following UK Government guidance to keep our employees safe and look after our valued clients. Read our articles on support for your business.

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Event Cancellation Insurance

Our event cancellation insurance offers a range of cover options to protect you against the possibility of lost event expenditure and/or lost profits. This cover provides reimbursement of your irrecoverable costs and expenses incurred, or loss of profit as a result of the unforeseeable abandonment, postponement, interruption or cancellation of your event.

What does event cancellation insurance cover?

We have put together a comprehensive portfolio of different event contingency insurance cover options so that we can formulate a truly tailored solution, protecting the possibility of lost event expenditure and/or lost profits.

Some of the covers available are:

  • Adverse weather - provides protection for the event if it has to be postponed or cancelled due to severe weather conditions.
  • Non-appearance - if the event is contingent on a key speaker, artist, performer or group. This covers the inability of the performer to fulfil their obligations which in turn leads to the event being cancelled, abandoned, postponed, interrupted or relocated. Circumstances can include death, accident, serious illness or unavoidable travel delay.
  • 'National Mourning' - this covers the cancellation of an event following the death of a royal family member or head of state which causes the nation to go into a national mourning period.
  • Terrorism - Provides cover to protect financials should the event be cancelled or disrupted due to terrorism, or the threat of a terrorist act

Features of event cancellation insurance

Event liability insurance

No matter what the nature or size of the event is, the organiser has a legal responsibility to ensure the safety and wellbeing of the people who attend. The various contractors and suppliers assisting with the staging of an event should have their own liability insurance to cover their activities.

However, the organiser also needs public liability and employers' liability cover in case it is deemed to be at fault when an accident occurs. With the costs of bodily injury claims escalating, having the right cover in place is critical for event organisers.

Pluvious cover

If pre-determined triggers lead to a partial or total cancellation of an event, the organiser or promoter is covered.

We have placed cover for a number of events nationally and internationally that include the following:

  • Professional cricket matches
  • Dinners, dances, balls and banquets
  • Christmas parties, product launches and arts festivals
  • Music concerts, gigs and festivals
  • Film festivals and literary events
  • Triathlons, horse race meetings, marathons and golf days

Get an event cancellation insurance quote

You can also email contingency@towergate.co.uk for a quote.

Other products you may be interested in

Cyber Insurance Commercial Vehicle Insurance Event Contractors and Suppliers Insurance
Credit Insurance Property Owners Insurance Terrorism and Political Violence

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Coronavirus (Covid-19) – Update for Towergate customers


During the COVID-19 Coronavirus crisis, we want to reassure our customers and partners that we are following UK Government guidance,
and as a result our national offices are closed to both safeguard the health of our employees and our ability to look after our valued clients.
Where possible, our employees are working from home and we are still fully able to support with renewals, new cover requirements and
claims guidance and support. This includes giving our colleagues the ability to work from home or alternative locations,
which we hope will limit the disruption and enable you to speak to us for advice and support should you need it.
Read more