Liability
- A fence or stage falling over
- Injury to a visitor
- Damage to the site
Compare events insurance
When you apply for the permit, the council asks for proof of insurance with a minimum sum insured. That is usually the moment an organiser discovers they do not have one yet.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Events insurance (evenementenverzekering) is made up of separate modules that you combine as you need them. Liability is the basis and almost always a condition of the permit: councils require cover with a minimum sum insured before they give permission.
You then choose cancellation of the event: the costs you have already incurred if the event does not go ahead, and cover for plant and machinery: stages, marquees, lighting, sound and decoration, often hired and therefore in your care.
Most damage does not happen during the event itself but during setting up and taking down. Check whether that period is included and how many days before and after the cover runs.
Independent, personal, sorted quickly
We compare your event insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does events insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Cancellation of the event
The costs incurred if the event does not go ahead.
- Extreme weather
- A headline act pulling out
- Government measures, often limited
Plant and machinery
Stages, marquees, lighting, sound and decoration, usually in your care, custody and control.
- Hired equipment
- Theft and damage
- Setting up and taking down
What is covered
| Situation | Covered |
|---|---|
| A visitor is injured by a fence falling over | Yes |
| Damage to the hired site or building | Sometimes |
| A hired sound system is damaged | Sometimes |
| Cancellation because of extreme weather | Sometimes |
| Poor weather that keeps visitor numbers down | No |
| Insufficient ticket sales | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Number of visitors: the main basis for calculation
- Type of event: market, festival, sport or corporate
- Duration and number of days: including set-up and take-down
- Nature of the activities: fireworks, climbing equipment, water activities
- Inside or outside
- The modules chosen and the sums insured
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Ask for the permit requirement early
The council states a minimum sum insured in the permit conditions, often € 1.250.000 or € 2.500.000 per event, and sometimes specific requirements for structures or traffic measures. Ask for those requirements as soon as you start the application. You can always increase cover later, but by then you are already committed to suppliers and dates.
Care, custody and control affects everything you hire
Stages, marquees, lighting, sound, crowd barriers and the site itself are all in your care. Damage to them falls under the care, custody and control exclusion and is not covered without a separate module or tenants' liability cover. For an organiser who hires in almost everything, that is not a marginal issue but the heart of the matter.
Cancellation cover is narrower than it sounds
Cancellation cover pays the costs you have already incurred if the event does not go ahead because of an unforeseen cause: extreme weather, a headline act pulling out, an incident at the venue. What it almost never covers is disappointing interest or poor ticket sales. That is a business risk. Also watch the exclusions around government measures, which have been worded more tightly since the coronavirus period.
Volunteers are not employees, but they are still your responsibility
If you work with volunteers, the first question is what the council's volunteer insurance covers; almost every council has one. Top up whatever is missing and record who does which task, certainly for work at height during the build.
Frequently asked questions
This is what people ask us most.
Is events insurance compulsory?
Not by law, but councils almost always set liability cover as a condition of the permit, with a minimum sum insured. Without that cover the permit will not be granted.
Are setting up and taking down included?
Under most policies they are, but the number of days before and after differs. Most accidents happen precisely in that period, so check the term explicitly.
What exactly does cancellation cover?
The costs you have already incurred if the event does not go ahead because of an unforeseen cause, such as extreme weather or a headline act pulling out. Disappointing ticket sales, or poor weather without a cancellation, fall outside it.
Is hired equipment covered?
Not as standard. Stages, marquees, lighting and sound are in your care and fall under the care, custody and control exclusion. That needs a separate module or tenants' liability cover.
What about volunteers?
First check what the council's volunteer insurance covers and top up whatever is missing. That is particularly relevant for work at height during the build.
What if the council bans the event?
That falls under cancellation, but the exclusions around government measures have been tightened since the coronavirus period. Read that clause before you sign.
Every situation is different. For these situations we have a separate page.
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.