Insurance considerations

Running a festival or event in the UK is hugely rewarding, but it also comes with plenty of risks. Whether it’s a village fair, a book festival, or a large-scale mixed-arts event, things can and do go wrong. That’s where insurance steps in. It helps protect organisers from unexpected costs and provides peace of mind when the unexpected happens. 

Insurance doesn’t stop things going wrong, but it can make sure you’re not left footing the entire bill. 

Things to look for in your policy: 

• Public liability – Covers you if someone is injured or their property is damaged.
• Employer’s liability – A legal requirement if you have staff or volunteers.
• Cancellation cover – Helps recover costs if the event is called off for reasons beyond your control.
• Equipment cover – Protects sound systems, staging, lighting and more.
• Weather cover – Especially useful for UK outdoor events! 

Having insurance in place also reassures local authorities, venues, and sponsors that you’re running a professional and responsible event. It’s often a condition of booking a location or getting a licence. 

Graham Sykes Insurance specialise in providing tailored event insurance across the UK. With years of experience in the sector, they understand the unique challenges festival professionals face. They offer flexible, straightforward policies – whether you’re running a one-day fête or a much longer festival. Best of all – BAFA members get a 20% discount on festival insurance with Graham Sykes. Not yet a member? Contact us to learn more about accessing this offer. 

Call Graham Sykes on 01395 255100 today for a quote, or visit www.graham-sykes.co.uk 

Graham Sykes Ltd is Authorised and Regulated by the Financial Conduct Authority. Firm Reference Number 300310.