Someone else’s big day, your liability.
Public liability that reflects other people’s events happening on your premises, cover for the venue itself, and a broker who’ll place this properly rather than force it into a generic hospitality template.
Venue & function hire insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Legal expenses
Money & personal accident
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The premises, your liability, your stock and the trade you would lose, priced in one go rather than piece by piece.
Know your cover
What is venue & function hire insurance?
Hiring out a space carries a different risk to running your own trading business. You’re responsible for the venue, but the person hiring it is often running their own event on top. Cover needs to reflect both sides of that, and where the line between them sits.
Protects the venue
Public liability for injury or damage arising from the building, its condition, or facilities you provide.
Protects your staff
Employers’ liability is required by law the moment you take on staff, even for occasional events.
Protects the building and its contents
The premises, fixtures and any equipment you provide as part of the hire.
Who it’s for
Whatever kind of venue you run.
✓
Function room hire
Standalone rooms hired out for private events.
✓
Wedding venues
Dedicated wedding and celebration venues.
✓
Marquee hire
Supplying and erecting marquees for events on other people’s land.
✓
Village & community halls
Multi-use halls hired out to local groups and private events.
✓
Conference & meeting venues
Business-focused hire spaces.
✓
Barn & rural event venues
Converted barns and rural spaces hired for events.
What we cover
Cover built around your venue.
We get to know how your venue is used first, then build the policy around it.
Public liability
Injury or damage arising from the venue itself. That’s what this cover is for.
Employers’ liability
Required by law the moment you take on staff, even for occasional events.
Premises & contents
The building, fixtures and any equipment you provide as part of the hire.
Business interruption
Booking revenue while you’re closed for repair, not just the cost of the repair itself.
Legal expenses
Hire disputes and the cost of defending a claim.
Money & personal accident
Cash taken on site, and cover for you and your staff.
Equipment
Chairs, tables, marquees and other hire equipment you own.
Cyber & data
Card data, the booking and till systems, and the takings lost when they go down in peak trade.
Who this cover tends to suit.
This cover is generally bought by venue and function hire businesses. It brings together public liability, employers’ liability (where staff are used) and cover for the premises and any equipment provided. It won’t suit every business. If your risk profile is different, tell us and we’ll pick it up when we speak.
Worth knowing
What to expect when you get in touch.
Your liability vs. The hirer’s
Ask hirers for proof of their own cover too.
Marquees & structures
Carries different risk to a fixed building.
Catering & bar arrangements
Changes where liability sits between you both.
Frequency of use
Regular hire carries different risk to occasional.
Every venue has its own risks.
A community hall and a wedding barn don’t carry the same risk, so we ask different questions for each.
Function rooms
Wedding venues
Marquee hire
Village halls
Community halls
Conference venues
Meeting rooms
Barn venues
Function rooms
Wedding venues
Marquee hire
Village halls
Community halls
Conference venues
Meeting rooms
Barn venues
Party venues
Event spaces
Exhibition halls
Sports hall hire
Church hall hire
Studio hire
Garden venues
Rooftop venues
Party venues
Event spaces
Exhibition halls
Sports hall hire
Church hall hire
Studio hire
Garden venues
Rooftop venues
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Hirer liability, before we quote
Third-party events, hirer liability, shared risk. We know what matters here and what doesn’t.
02
Cover that reflects who’s actually liable
The line between your liability and the hirer’s isn’t always obvious. We help you understand where your cover starts and ends.
03
Staff cover that holds up
Occasional and event-day staff trip up a lot of policies. We set employers’ liability up properly, whatever your staffing pattern.
04
We present the risk right
Frequency of hire, catering arrangements, marquee use. How it’s presented to insurers changes what you pay. We know how to frame it.
You talk to a person. The machines do the typing.
Free review of your venue & function hire cover and costs.
Told venue hire’s too unusual to place easily? Not for us. Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
We go through the policy you have now, so you can see what it does and doesn’t cover against a hirer’s own liability, marquees or structures you provide and how often the venue is used.
We point out the terms that catch venue and function hire businesses out most often, where your liability ends and the hirer’s begins among them, so you can check yours.
We approach insurers on our panel who write venue hire, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Venue & function hire questions, answered straight.
What insurance does a venue hire business need?
Am I liable for what happens at someone else's event?
How are marquees treated?
What if I also provide catering or a bar?
Is this a specialist product, or a fit into something else?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.