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Event Cancellation Insurance & Non-Appearance Insurance

Event Cancellation Insurance & Non-Appearance Insurance protects your event -related revenue or expenses against cancellation due to circumstances beyond your control.  Coverage must be quoted and bound fourteen days prior to the event date!

Contact us for a no obligation event cancellation insurance quote today!

Event cancellation insurance does not cover losses caused by poor event planning, poor marketing, or lack of interest.

What is Event Cancellation Insurance?

Event cancellation insurance protects event revenues and expenses against the risks of cancellation, postponement, curtailment, relocation or abandonment of the event for reasons beyond the control of the event organizer. The policy is an “all-cause” coverage and can protect against severe weather conditions (hurricanes, tornadoes and severe winter storms), venue unavailability (due to fires, floods and power outages), threats or acts of terrorism, communicable disease outbreaks, earthquakes, wildfires, labor strikes, non-appearance of a key person and more. This coverage covers all occurrences within the policy period, such as a fire at the venue months prior to the event.

AFIG can provide event cancellation insurance for events in the U.S. and throughout the world. Our binding authority with Lloyd’s of London, along with strategic alliances with top-rated U.S. carriers, enables us to manage the insurance needs of these events, which often have hundreds of millions of dollars at risk.

Do you or your clients organize major revenue generating events throughout the year? Event cancellation insurance protects your investment against unforeseen circumstances that can negatively affect event revenues and expenses.

Event Cancellation Insurance

No matter the time, energy and finances invested in your events, unforeseen forces and circumstances can cause costly cancellations or interruptions. Event cancellation insurance protects revenue or expenses from an event postponement,cancellation, relocation or abandonment of the event for reasons beyond the event organizers control. Some of these reasons might include severe adverse weather (hurricanes, tornadoes, severe winter storms, etc.), venue unavailability (fires, floods, power outages, etc.), threats or acts of terrorism and communicable disease outbreaks.

What kind of circumstances can affect your event revenues? Your key speaker unexpectedly can’t make it due to bad weather… The truck carrying your equipment or supplies gets into a highway accident… Your local airport is shut down… The fact is, no matter how well you’ve planned your event, a crisis can arise at any moment.

What does Event Cancellation Insurance provide?

Event Cancellation Insurance provides coverage for the loss of revenue derived from OR expenses committed to an event due to a
cancellation, abandonment, interruption, curtailment, postponement or relocation caused by covered perils as defined in the policy as
covered perils.

What is the difference between Event General Liability Insurance and Event Cancellation Insurance?

Event General Liability insurance coverage is required by venue or vendor contract and protects against 3rd party bodily injury or property damage claims.  Event Cancellation Insurance is a specialty insurance coverage and is “elective” in nature, the premium is determined based on the revenue or expense at risk, event type, dates and location of the event and scope of coverage required. 

Why should I purchase Event Cancellation Insurance or Non-Appearance Insurance?

Considering the time and money it takes to plan an event, the risks to the bottom line are substantial. When disaster strikes, event insurance protects against the loss of costs and expenses or revenues for a small fraction of that exposure.


Event Cancellation Insurance Non-Appearance

Summary of Coverage

  • Based on the gross revenue or expenses for the event
  • Optional coverage’s may include acts or threats of terrorism, communicable diseases and nuclear / biological / chemical terrorism.
    The perils than can be insured against are those outside of the control of the event planner. Examples of perils that may be covered include the following:

    • Weather and environment related perils such as rain, snow, wind, and earthquakes.
      Specific weather conditions such as floods, hurricanes, tornadoes, blizzards, lightning, or any other life-threatening weather condition. These weather conditions must prevent the majority of the audience from reaching the venue where your event is taking place.
    • Outbreak of disease
    • War, terrorism, sabotage, and civil or political unrest
    • Property damage or loss of availability of venue
    • Non-appearance of key speakers, performers, or personnel due to death, injury, or illness.
    • Satellite and signal transmission failure
    • Unavoidable Travel Delays

Policy Information:

Event cancellation Insurance coverage insures against loss arising out of the cancellation, interruption, or postponement of a covered event, so long as the source of the cancellation or postponement is covered under the insured’s policy.

  • Once paid for, this policy cannot be canceled.
  • The earlier you pay for this policy, the longer period of time you will have your event coverage.
  • You are required to insure 100% of your budgeted expenses and, if you choose to insure your profits, 100% of budgeted profits as well. Otherwise co-insurance penalties will apply in the event of a claim and you will not receive 100% reimbursement for your claim.


  • Concerts
  • Conferences
  • Fairs / festivals
  • Major sporting events
  • Trade shows / conventions

What Event Cancellation Insurance Covers:

Event Cancellation Insurance protects costs and expenses or revenues associated with an event, such as travel expenses, venue costs, ticket sales, advertising and sponsorship revenues, and more. It often complements other forms of event insurance such as event liability. Coverage is available for the following perils:

  • Inclement weather
  • Natural catastrophe such as earthquake, flood, fire
  • Extra expenses
  • Power failure
  • TV transmission failure*
  • Public transport failure or denial of access
  • Failure to vacate the event venue
  • Strike risks
  • Terrorism or threat of terrorism
  • The inability of any person(s) to appear at your event e.g. speakers, teams or performers non-appearance

What Event Cancellation Insurance Does Not Cover

There are certain exclusions for event insurance coverage. The principal exclusions include:

  • Financial failure, insolvency or default; support or withdrawal of support by any party
  • Lack of sales, response or attendance
  • Variations in exchange rates or currency stability
  • Radioactive contamination
  • Use of pathogenic or poisonous biological or chemical materials**
  • War and civil commotion**
  • National mourning**
  • Communicable diseases**

** For these exclusions an extension may be available for purchase. We welcome any other requests you do have.  Please feel free to contact us to discuss additional coverage.

Non-Appearance Insurance

Considering protecting your losses in the event that your event cannot proceed due to the non-appearance of a specific individual or group? Non-appearance insurance protects those with a financial interest in the appearance of any key person or persons such as entertainers, dignitaries, performers, artists and public speakers at many types of events and within any industry including commercial, sports and entertainment. This can include event organizers, promoters, managers, venues and ticket agencies.

Non-appearance of a key performer for a production company or a presenter can be financially devastating to the organization.  If you have a principal artist as part of a concert or if your theater is producing a one person show, without that particular artist, you have no production. 


Pre-existing medical conditions
Air travel except as a passenger on a regular airline or multi-engine charter aircraft
Insufficient voice quality unless directly due to illness or disease contracted during the policy period
Any hazardous activity or feat
Any condition not common to both sexes
Acquired Immune Deficiency Syndrome (AIDS)
Contractual disputes

The financial failure of any venture, including cancellation due to lack of ticket sales, lack of sponsorship, etc.
War, civil commotion, riot, martial law, seizure, radioactive/nuclear contamination.
Your failure to have made all necessary preliminary arrangements essential to ensure that your event can be held on the scheduled date.
Fraud, misrepresentation or concealment.
Non-appearance of an individual (s) unless you purchase the non-appearance insurance option.

Event Cancellation Insurance
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