Event Insurance can usually only be taken out to cover events where guests are invited and do not have to pay to attend. Events that are more commercial, specifically ones where payment is to be taken, would not usually be covered.
If you're organising a party you'll generally only need cover for a day, but some events might last longer. Event Insurance from John Lewis Finance lasts up to three days.
Event insurance covers problems such as cancellation, damage to equipment and injury to guests.
The cost will depend on the size and scope of the event - each policy is different and you should look for one that suits the event you're holding.
Cancellation and postponement cover - this means you won’t lose all the money you’ve spent on an event if it can’t go ahead, for example due to illness, bad weather or issues with the venue. Check the upper limits of the cancellation policy to make sure you are covering the full extent of your costs.
Hiring equipment - if you're hiring equipment for your event, make sure it’s covered in your policy in case it gets damaged or vandalised (we offer marquee cover as an optional extra.)
Please note that china and glass, computing equipment, disco equipment and inflatable play equipment are not covered by this policy.
Public Liability Cover - if someone hurts themselves at your event, you could be held responsible and face large financial and legal costs. Event Insurance from John Lewis Finance offers you £1 million or £2 million Public Liability Cover.
John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance plc. John Lewis Event Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).
John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (Registered Company Number 233462). John Lewis plc is an appointed representative of a panel of carefully chosen insurers to offer a full range of insurance products and services via John Lewis Insurance (Financial Conduct Authority number 416011).