Event Insurance

Cape Town weather is unpredictable. Make sure your event revenue isn't.

What is Event Insurance?

Event insurance is a category of cover designed to protect event organisers, performers, venues, and ticketing platforms against the financial risks of hosting or selling tickets to an event — including cancellation, liability claims, injury, and lost revenue.

Whether you're running a music festival, a corporate conference, or a ticketing platform selling thousands of tickets a month, event insurance exists to make sure one bad day — a storm, an injury, a cancelled performer — doesn't become a financial disaster.

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Public Liability Insurance for Event Organisers

Public Liability insurance covers an event organiser against claims made by third parties — such as attendees, staff, or the public — for injury or property damage that occurs at or because of the event.

If you are organising an event in South Africa, you are required by law under SASREA (the Safety at Sports and Recreational Events Act) to have adequate public liability cover in place before your event can proceed. Most venues will also specify a minimum required cover limit directly in your venue contract.

Additional cover options available alongside Public Liability include:

Employer's Liability
Wrongful Arrest and Defamation
Damage to leased or rented premises (the venue)
Statutory Legal Defence Costs
Emergency Medical Expenses
Claims Preparation Costs
Collapse of Temporary Construction and Scaffolding

Contingency Cancellation Insurance for Event Organisers

Contingency Cancellation insurance protects an event organiser's revenue and expenses if an event is cancelled, postponed, or disrupted due to circumstances beyond their control — such as extreme weather, venue unavailability, or a performer failing to appear.

If your event doesn't go ahead as planned, the financial loss isn't just the cost of the event — it's the revenue you were counting on. This cover is built to protect both.

A key add-on under this policy is:

Non-Appearance of Performer — covering lost revenue or costs if a headline act, speaker, or key performer is unable to appear.

Ticket Refund Guarantee for Ticketing Platforms

Ticket Refund Guarantee is an embedded insurance product for ticketing platforms that gives ticket buyers the option to upgrade a non-refundable ticket into a refundable one — protecting their purchase if they're unable to attend. It protects the ticket holder's attendance to an event that is happening.

This isn't just cover for the ticket holder — it's a new revenue stream and a trust-builder for the ticketing platform itself. Offering a refund guarantee at checkout increases buyer confidence, reduces disputes and chargebacks, and gives your platform an additional income stream on every ticket sold.

Ticket holders can typically claim a full refund for reasons such as:

- Death of a family member or accidental injury or illness.

- Adverse weather conditions that make it physically impossible to attend the event (but doesn't result in the event being cancelled).

- Travel Delays.

- Unavoidable requirements to remain at home or work.

- Court summons.

- First Responder being called in to work.

- Retrenchment.

- Not being able to make the new date after an event was postponed.

- Change of exam dates.

- Theft of physical ticket where a physical presentation of the ticket is required.

Prize Indemnity Insurance for Event Organisers

Prize Indemnity insurance covers the cost of a prize being won at an event, protecting organisers from having to pay large payouts out of pocket if a rare or high-value prize is claimed.

This is common at golf days, competitions, and promotional events where a prize is offered but statistically unlikely to be won — until it is.

Examples include:

Hole-in-One insurance — covering a cash or prize payout if a golfer scores a hole-in-one during a tournament.
Record-breaking prize cover — covering a cash prize offered for breaking a specific record at your event.

Cover & Claims in a click.