4 Risks Live Event Organisers Can't Ignore
Sports & Entertainment

4 Essentials You Need to Know About Insuring Your Event

03 June 2025
03 June 2025
4 Essentials You Need to Know About Insuring Your Event

You’ve worked hard to plan your event, so it’s important to make sure unexpected issues don’t derail it. We work with leading organisations to help them identify, manage, and transfer risk – and the same principles apply no matter the size of type of event.

To support your planning, here are four key points to take into account:

1. Align Your Insurance With the Event Experience

Not all events carry the same risks. A local 5K run has very different needs compared to a sold-out stadium concert. Whether you're hosting a regional tournament or a music festival your insurance should be tailored to the type, scale, and location of your event. Think beyond basic liability -are policy limits at the appropriate level, consider participant injury coverage, high value equipment, weather cancellations, and even non-appearance protection for performers or athletes.

2. Venues and Vendors Demand Proof of Coverage

In the sports and entertainment world, no contract moves forward without insurance. Stadiums, arenas, AV crews, talent agencies, and even food vendors will often require a certificate of insurance before committing. Having your coverage in place shows professionalism and ensures nothing stalls in the planning process. It also reassures stakeholders that you’re prepared for the unexpected.

3. Secure Coverage Early for Better Rates and Less Stress

Don’t leave insurance until the final countdown. Booking early can unlock better pricing, more coverage options, and enough time to meet venue requirements or add necessary endorsements. It also gives you breathing room to review the fine print and avoid last-minute scrambles when deadlines are already tight.

4. Know What’s Covered and What’s Not

Every policy has limits. Does your coverage include injuries to participants? What about cancellation due to extreme weather or power outages? Are high-value gear, instruments, or production equipment protected if damaged or stolen? Make sure you fully understand exclusions and limitations so you can plug any gaps with additional policies or backup plans.

Why Miller?

At Miller, we understand that the worlds of sport and entertainment are anything but ordinary. That’s why we offer tailored insurance solutions that reflect the unique risks and challenges you face. Whether you’re an athlete, entertainer, agent, or organisation, we ensure you're covered, so you can focus on performance, not protection.

Our strength lies in our relationships, with you and with leading insurers across the globe. This network enables us to act fast, deliver reliably, and respond when it matters most. When challenges arise, we’re more than your broker, we’re your advocate.

With a global presence and decades of experience, we bring international insight to every client relationship. Yet we never lose sight of what matters: understanding your individual needs. 

Protect your event and your peace of mind!

David Griffiths V2 HR

David Griffiths

Senior Director - Sport, Entertainment, Corporate & A&H +44 (0) 20 7031 2629 [email protected] Read more
Jim Rainford

Jim Rainford

Director - Sport, Entertainment, Corporate & A&H +44 (0) 20 7031 2345 [email protected] Read more
Kate Montagu HR

Kate Montagu

Director - Sport, Entertainment, Corporate & A&H +44 (0) 20 7031 2772 [email protected] Read more
Arthur Fane

Arthur Fane

Director - Sport, Entertainment, Corporate & A&H +44 (0) 20 7031 2602 [email protected] Read more

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