Events insurance through Nationale-Nederlanden
For a one-off event the cover is assessed individually. What you state in the application about the audience, the programme and safety is exactly what the insurer will hold you to later.
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Work out for yourself what it would cost.
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- 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
Finass acts as an intermediary for the business range of Nationale-Nederlanden and compares it objectively with more than thirty other insurers. An short-term events insurance is accepted event by event and not taken from a rate table. The underwriter looks at the programme, the venue, the expected audience, the time of day and the safety organisation. For those who organise several events a year there is a continuous version; the main structure is set out on the events insurance hub page.
The distinguishing point at a one-off event is the licence. Councils attach specific conditions to it: a maximum number of people present, the deployment of traffic marshals, a number of certified security staff, a noise limit, finishing times, an evacuation plan and sometimes a medical post. Insurers adopt those conditions. If the permit is departed from during the event — letting in more people than permitted is the classic example — the insurer may refuse cover for damage connected with that.
The policy is built up from sections that you choose separately: liability, equipment and business contents, personal accident cover for crew and volunteers and cancellation of the event. What falls outside it is liability for mistakes in your advice or organisation without injury or damage to property. That pure financial loss belongs with a professional indemnity insurance. For your ongoing business risk outside events, the AVB the appropriate product.
This page deals with one situation. The full overview is on Compare events insurance.
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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.
Event insurance
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Get coveredWhy 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.
What to look out for
Four subjects an underwriter assesses and which come back at claim stage.
What is structurally outside the cover
Excluded are, among others damage involving a motor vehicle or aircraft, for which among others Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires its own insurance; damage arising from failure to comply with the permit or with statutory safety rules; and administrative fines and penalty payments. Damage to property in your care also falls under the care, custody and control exclusion and calls for a separate section.
Crowd flows and the capacity of the venue
Most injury claims at an event arise not at the stage but at the entrance and exit, at the bar and on stairs. State the expected number of visitors realistically and keep track of how many are inside. With a defective temporary grandstand or barrier, alongside Article 6:162 of the Dutch Civil Code also Article 6:174 of the Dutch Civil Codealso applies, which places liability on the owner of a structure without any fault of their own being needed.
Suppliers are liable in their own right
The marquee company, the sound company, security and catering all have their own insurance. Ask for proof of it in advance and set out in the contract who answers for what. If that is missing, you as the organiser are the first to be held liable and then have to try to recover the loss yourself. A process that takes months and rarely fully succeeds.
Accidents to crew and volunteers
The personal accident section pays a fixed sum regardless of fault and therefore does not cover your liability. That runs through Article 7:658 of the Dutch Civil Code, of which subsection 4 extends the duty of care to people who work for you without an employment contract. So make sure instructions are given for the build and take-down, and record that they were given.
What does your premium depend on?
- Nature of the event: a conference weighs differently from a music festival
- Expected number of visitors: the most important measure for liability
- Venue and duration: a private hall, a public site or a multi-day event
- Safety organisation: security staff, traffic marshals and an evacuation plan
- Serving alcohol and a night-time programme: these increase the chance of incidents
- Sections chosen and the excess: to be set separately for each section
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A visitor stumbles in a hole on the site and breaks an ankle | Yes | Yes |
| A participant in the sponsored run collapses and is left with permanent injury | Provided that | Yes |
| Your own stage lighting blows over during the build and is destroyed | No | Yes |
| The headline artist falls ill and the event does not go ahead | No | Provided that |
| A visitor loses their coat at the cloakroom | No | No |
| A day of persistent rain keeps the public away and you make a loss on the budget | No | No |
The liability section is the fixed element; equipment, personal accident and cancellation are added event by event.
Frequently asked questions
This is what people ask us most.
When do I need the insurance in place?
Well before the build starts, because cover usually begins with the build and not at the opening. An underwriter also needs time to assess the running order and may set additional requirements for security or structures. If you apply a week beforehand, you run the risk that part of the risk can no longer be placed.
We let in more people than the permit allowed. What does that mean?
Then you are acting contrary to a condition that is almost always adopted in the policy. If damage arises that is connected with exceeding the limit, for example injury in a crush, the insurer may refuse cover. Keep track of the number of people present with counters at the entrance and record the figures, if only as evidence that you stayed within the limit.
Is damage to the hired marquee and the stage insured?
Not under the liability section, because hired property in your care falls under the care, custody and control exclusion. The equipment section exists for that, on which you have the hired interest recorded at the value the hire company uses in the contract. Also check whether the hire company has its own insurance and whether it takes precedence.
What if the headline act cancels on the day itself?
A named artist pulling out through demonstrable illness or an accident is a covered cause under cancellation cover, provided that artist is stated on the policy schedule. If the act cancels for commercial reasons or because of a double booking, that is a contractual dispute with the artist and not an insured event. Report it immediately and keep all correspondence.
Every situation is different. For these situations we have a separate page.