Event insurance (third-party liability) covers personal injury to attendees when this is caused by your negligence as organiser — for example, if someone trips over a slack cable at your event. The injured person can claim compensation and your insurance pays out. The insurance also covers material damage to other people's property if it's caused by your event — for example, if your décor element damages their table. What's likely not covered: damage to your own equipment, lost revenue from expired tickets, accidents from force majeure such as a fall from an unstable stage, and knowingly providing wrong information to attendees. Read your policy carefully — it contains a lot of policy detail. Set your coverage amount realistically. For an event of 500 people we advise at least 300,000 euros of cover. Live Impact advises on the right coverage amounts.