Event Liability Insurance

Frequently-Asked Questions

1. Who Needs Event Liability Insurance?

This cover is essential for individuals, businesses, organisations or associations organising or participating in an event in Singapore, including:

• Contractors engaging in building exhibition stands/booths, food caterers.
• Corporates, SMEs and Branding Agencies hosting product launches, conferences, or team-building events.
• Event Planners & Agencies managing weddings, anniversaries or large-scale gatherings.
• Community organisers running bazaars, sports days, or charity events.

Most venues in Singapore will not allow your event to proceed without proof of liability insurance.

2. Types of Events That Can Be Covered

Allegiance can arrange cover for a wide range of events:

3. Can an individual or natural person buy event liability insurance?

Yes. We have arranged event liability insurance for individuals organising or performing in dramas, plays, recitals, and similar events.

4. Can event liability insurance cover helpers and volunteers during the event?

An optional personal accident benefit can be purchased for helpers and volunteers to cover them against bodily injury happening during the event. The policy can also be extended to cover liability arising from negligent acts of the helpers and volunteers, subject to the insurer’s approval.

5. How much does event liability insurance cost in Singapore?

Premiums typically start at S$200 for small indoor events, and vary based on attendee size, event duration, and activities, etc. It depends on factors such as:

• Type of event – a small business seminar costs less to insure than a large concert.
• Size of event – the number of attendees and venue capacity.
• Event Location – indoor or outdoor
• Duration – one-day vs multi-day event.
• Activities – whether alcohol, sports, or stage performances are involved.
• Any optional coverage – whether coverage is required for venue setting up and tearing down.

6. How to File an Event Liability Insurance Claim?

In the unfortunate event of a claim, it is important not to admit or negotiate liability with the claimant and do the following soonest:

1. Notify the insurer or Allegiance immediately – provide event details and details, nature of the incident.
2. Document the situation – photos, videos, witness statements, medical or repair bills.
3. Submit the claim form – together with supporting documents, venue rental agreement, event contracts or agreements.
4. Follow up – our claims team will guide you through the process until settlement.

7. Are subcontractors or third-party vendors covered under the policy?

Generally, the policy covers your liability as the organiser, exhibitor, etc. You should ensure vendors and subcontractors have their own coverage. That said, the policy can cover your contingent liability for negligence caused by your subcontractors, subject to the insurer’s approval.

8. Is event liability insurance mandatory for booking venues in Singapore?

While not a legal requirement, most major Singapore venues require proof of public liability insurance before allowing an event to proceed.

9. Is Public Liability Insurance mandatory for participating in events and exhibitions in Singapore?

Yes, while not a legal requirement, Public Liability Insurance is almost always a mandatory contractual requirement for events and exhibitions in Singapore.

Most major venues, such as Sands Expo & Convention Centre, Suntec Singapore and Singapore EXPO, stipulate in their contracts that event organisers and exhibitors must hold a valid policy. This applies to both local Singaporean companies and foreign exhibitors.

Standard requirements typically include:

• Minimum Coverage: S$1,000,000 to S$5,000,000 per occurrence.
• Extensions:  The policy must explicitly include the Venue Owner and Event Organiser as additional insured parties with a “Waiver of Subrogation” Clause against these parties.
• Duration: Coverage must span the full move-in, event days, and move-out period, including the venue setup and teardown.

10. How long does it take to get a Certificate of Insurance for a Singapore event?

1 to 2 working days upon receipt of payment.

11. Can a foreign company or overseas entity buy Event Liability Insurance directly in Singapore?

At Allegiance, we frequently assist international exhibitors, performers and organisers in obtaining Public Liability and Event Liability Insurance that meets the
requirements of Singapore event venues.

12. What is Not Covered?

While comprehensive, Event Liability Insurance does not cover:

• Intentional acts or deliberate damage.
• Losses due to communicable diseases (e.g. COVID-19) unless specifically endorsed.
• Cancellation due to personal preference or lack of attendance.
• Pre-existing damage to property.
• Product Liability
• Professional Indemnity

Note that the above list is not exhaustive, and the full list of exclusions is contained in the policy contract.

Why Allegiance?

As a licensed insurance broker in Singapore, Allegiance provides independent advice and access to a broad panel of insurers, enabling us to source tailored and competitive Event Liability Insurance solutions for our clients. Our experienced team has successfully arranged coverage for a diverse range of events, from private celebrations and community activities to corporate conferences, exhibitions, trade shows, concerts, sporting activities, and large-scale public events.

We understand the insurance requirements of different venues, organisers, exhibitors, and participants, including contractual obligations, additional insured requirements, and venue-specific liability conditions. Whether you’re planning a small one-day event or a complex multi-day gathering, our expertise enables us to secure appropriate protection that is aligned with your needs.

From quotation and policy placement to claims support, we provide professional advice and responsive service every step of the way, giving you the confidence to focus on delivering a successful event while we help safeguard you against unexpected liabilities.

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