Insurance for Event Freelancers

Freelancer event insurance is a type of business insurance cover which is designed to protect policyholders against claims made against them by third parties (such as a member of the public getting injured). You can choose to get cover for public liability, event equipment, event cancellation and employer’s liability with this type of cover.

It’s worth noting that public liability insurance for event freelancers is different to professional indemnity insurance which covers business owners, self-employed persons and freelancers against claims relating to professional mistakes and the quality of their services (i.e. if you cut someone’s hair as a freelance hairdresser and the client was not satisfied with the end result). 

If you’re working events as a freelancer, you won’t legally need public liability insurance, however it is well worth considering taking out a policy. Accidents can happen at any point of an event, and you don’t want to be held liable if a member of the public is injured or property is damaged whilst you’re working an event. Legal claims can be costly, which is why we’re here to provide you with cover that gives you peace of mind. 

Getting public liability insurance to cover the events you’re working as a freelancer has many benefits, including:

• If a claim is made against you, you’ll have financial protection.
• You’ll have peace of mind throughout the events you’re working on, because if an accident does occur, you won’t end up out of pocket.
• You can focus your attention on carrying out the job at hand and ensuring the events run as smoothly as possible.

The cost of event freelancer insurance is dependent on a few factors, such as how many events you need cover for, the level of cover you require and the nature of the events you’re working at. Here at Event Insurance Services, we offer insurance cover for both single and multiple events, with one off insurance available from £69 and insurance for multiple events available from £182. Get an online quote for one-off or multiple freelancers public liability insurance today or contact our team for more information.

Even if the events you’re attending as a freelancer are insured by the organisers, you’ll still need insurance as you will be responsible for the work you’re carrying out. The types of insurance you’ll want to consider taking out to financially protect yourself includes:

• Public liability insurance, which will protect you should a member of the public suffer an injury as a result of your negligence or if third party property is damaged. Here at Event Insurance services, this is the type of cover we can provide alongside additional covers which include employer’s liability, event equipment and cancellation, postponement and abandonment cover. 

Other types of cover which we do not provide but is well worth considering taking out to protect your business includes:

• Professional indemnity insurance - this will protect you if a client is not satisfied with the service you have delivered so you won’t lose your own money to settle any claims.
• Personal accident insurance - which covers you for financial loss should you suffer an injury yourself and be unable to carry out the work you had planned. 
• Legal protection insurance - this is important for those who are self-employed as you’ll receive support should a client refuse to pay for the work you have done at their event.

We’ve made the process of getting insurance cover for your participation at events as a freelancer simple. All you need to do is head to either the one-off or multiple event insurance page (depending on whether you need to insure your participation at multiple events during the year or not), click ‘get a quote’ and complete the form on the quote page. We will just need some of your personal details and information on the level of cover you’re looking for. From there, we'll send you a quote for the policy which best matches your needs and you can choose to purchase the policy online. In some cases, our specialist underwriters may need to review your policy if your insurance needs are more complex.