Event and Show Insurance

The KBIS event insurance policy is specifically designed to provide flexible cover options to meet the needs of organisers and equestrian centres. Whether running a single one day show, a number of events or a series of competitions throughout the year.

“Ask about our cancellation insurance, which can include loss of profit.”

The policy provides essential cover including Public Liability, Employers’ Liability, Personal Accident and Event Cancellation. You can choose to cover a single component part or take out cover under all sections of the insurance policy.

Our specialist liability department have the experience to guide you through the cover options available to ensure you have the protection you need.

In addition, KBIS are the official abandonment insurance providers to British Eventing and well as other high profile international events across the country, including the Badminton Horse Trials and Bramham International.

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Features & Documents

Event & Show Insurance – Eligibility

Event Cancellation and Abandonment policies must be purchased at least 30 days in advance of an event date. All policies are subject to underwriting referral and thus it is best to obtain quotes for your event as far in advance of the event date as possible.

Liability, Personal Accident and Material Damage policies can be purchased up until the day before your event begins. We recommend purchasing a policy as soon as possible rather than waiting for the commencement of the event as KBIS’ policies cover the setup and organisation of events.

KBIS are only able to provide cover for shows and events located within the United Kingdom.

Event & Show Insurance – Cover Available

There are six main cover options to consider under a KBIS event and show insurance policy, your requirements will depend upon the type of event and any existing cover you may already have in place, such as from an affiliated body. We can then tailor the policy to meet your specific needs.

The cover options available include:

  • Public Liability
  • Employers Liability
  • Personal Accident Cover
  • Cash in transit
  • All Risks
  • Event Cancellation

Public Liability
Public liability indemnifies the organiser(s) for claims made against them in respect of third party property damage and injuries sustained by third parties for which they are found liable. Four limits of indemnity are available, £1,000,000, £2,000,000, £5,000,000 and £10,000,000 per incident.  

Employers Liability
The Employers’ Liability (Compulsory Insurance) Act 1969 places a legal requirement upon employers to protect their employees by purchasing appropriate Employers’ Liability cover for anyone working on their behalf. Whether they are full or part-time, receiving payment or payment in kind or working for you voluntarily. The standard limit of indemnity for this cover is £10,000,000.

Personal Accident Cover
Personal Accident insurance provides cover for volunteers, officials, unpaid helpers and judges in case they are injured whilst working at an event. KBIS’ policy provides cover for Death, serious injury (such as loss of limb), permanent total disability and temporary total disability.

Cash In transit
This cover option ensures your money is covered whilst at the event, in transit and if it has to be kept at the occupied private dwellings of the organiser.

All Risks
This section provides cover for damage to equipment and/or hired items, including marquees, toilets, generators, trailer units, as well as smaller items such as trophies.

Event Cancellation
Cancellation cover will provide indemnity up to the specified limit should the event have to be cancelled or postponed. Cover is taken out against those expenses that are not recoverable and/or are still payable in the event of cancellation. You can choose to insure against your expenses only or also include cover against loss of profit.

In addition, if you choose, cover can be provided against the cost of having to postpone the event to a new date.

Event & Show Insurance – Policy Documents

Proposal Forms

The relevant proposal form should be downloaded and completed in full if you require a quotation or should you wish to take out cover following a quotation you have already received.

Key Facts

The Key Facts outline the significant features, benefits, exclusions and limitations of the KBIS Liability Insurance Policy. They do not contain the full Terms and Conditions.

Policies taken out on, or after, the 1st January 2019

Policies taken out on, or before, 31st December 2018

Terms and Conditions

The Terms and Conditions outline the full details of cover available under a KBIS Liability Policy.

Please note the Terms and Conditions specific to the cover you hold will be sent out with your certificate of insurance.

Policies taken out on, or after, the 1st January 2019

Policies taken out on, or before, the 31st December 2018

Terms of Business

The Terms of Business outline the agreement between KBIS and their customers.

Event and Show Insurance – Claim Forms

Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible.

If you have cancellation/abandonment insurance it is important that you contact us as soon as you have concerns that the event may not be able to run so that we can discuss the situation in full.

The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may prejudice your position with underwriters.

1.) Initial notification

Contact KBIS as soon as possible. You can contact KBIS by:

Phone:

UK Telephone No: 0345 345 2323
Outside UK: +44 (0) 1635 247474

View our office opening times here

Email:
ask@kbis.co.uk

2.) Obtain a Claim form

You can download a General Liability Claim Form above.

If you have contacted our offices we can arrange for a form to be sent by post, including a free post envelope for the return of your form and documentation

3.) Collate all necessary information

In order for us to process your claim in the most efficient manner it is important that we have all of the relevant documentation, as requested, to enable us and the underwriters to consider the claim in its entirety.

4.) Send the completed form and documentation to KBIS

Please note that we are unable to give any indication whether a claim is likely to be paid without the completed claim form and invoices.

Frequently Asked questions

What cover is available?

A KBIS event insurance policy provides six main sections under which cover can be purchased. These sections include:

Public Liability cover for yourself as an event organiser
Employers Liability for anyone who will be employed by you at the event
Personal Accident cover for volunteers and officials
Cash in Transit and/or while occupied at the private dwellings of the organiser.
All Risks which covers against damage to equipment such as show jumps, caravans as well as hired items, marquees and toilets and additional items such as trophies and cups.
Event cancellation that can include expenses incurred and loss of profit.

You do not have to take out all areas of cover and may stipulate under which sections you would like cover provided.

Employers Liability is required by law if you have employees and when taking out employers liability it is a stipulation to take out public liability as well.

Do I need a specific policy for an affiliated event?

If you are running an event under an affiliated body you can still take out a general event insurance policy. You may find that there is some insurance cover automatically provided in your agreement with the affiliated body, for instance, Personal Accident and Public Liability.

It is important to check any association insurance cover you receive carefully to ensure that you have adequate insurance in place to meet your requirements. Cover for event cancellation and loss or damage to event equipment such as tents, trophies are unlikely to be covered.

If I am running multiple shows do I need a separate policy for each one?

KBIS can provide a policy covering multiple shows run by the same organiser, for example, an unaffiliated dressage series with weekly competitions.

If you require additional cover such as event cancellation this will have to be taken out separately for each competition due to such varying factors in weather conditions at different times of the year, which underwriters will need to consider.

Can I cover Volunteers helping at my event?

You can cover any voluntary helpers at your events against bodily injury under Employers Liability cover and also against Death, Loss of Limbs and Permanent Total Disablement under Personal Accident Cover. You may also take out cover for Temporary Total Disability under Personal Accident Cover, though this may be restricted if the volunteer is not in gainful employment.

What does event cancellation insurance provide?

Event Cancellation provides indemnity up to the specified limit should the event be cancelled or postponed. You can choose to cover the event ‘expenses only’ or both the event ‘expenses and profit’.

Event expenses should not include those expenses that are recoverable or not payable in the event of cancellation.

Profit cover is worked out on the difference between your income, entry fees, sponsorship and gate receipts less your expenses. It will take into consideration any monies that may be recoverable.

Can I cover hired equipment?

You can take out cover for loss and/or damages to items such as marquees, toilets, jumps and caravans. The cost of hired equipment may include a fee for the insurance of the equipment so it is important to check this with the hire firm.

Items such a show jumps will not be covered for any damage whilst in use.

How close to my event can I purchase my event insurance?

Event Cancellation and Abandonment policies must be purchased at least 30 days in advance of an event date. All policies are subject to underwriting referral and thus it is best to obtain quotes for your event as far in advance of the event date as possible.

Liability, Personal Accident and Material Damage policies can be purchased up until the day before your event begins. We recommend purchasing a policy as soon as possible rather than waiting for the commencement of the event as KBIS’ policies cover the setup and organisation of events.

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