Event Cancellation

Our Event Cancellation Insurance can help you maximize your promotional or event budgets, by providing specific coverage for the most unusual risks.

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Main risks

Cancellation insurance is designed to cover the financial losses you incur when the event named in the contract is cancelled, postponed, suspended, shortened or moved due to the occurrence of an event beyond your control, not excluded by the contract, and making it impossible to maintain or run the insured event.

Cancellation insurance also covers the reimbursement of financial losses arising from additional non-recoverable costs incurred to prevent cancellation, such as the cost of organizing a postponement of the event.

The risk varies according to the nature and configuration of the event; an outdoor event will not be exposed to the same degree of risk as an indoor event. Similarly, an event that cannot take place without the presence of one or more key people will be more exposed than an event requiring the presence of no one in particular.

What we cover

Our insurance policies are designed to cover costs, expenses and revenues when an event is cancelled, abandoned, postponed, interrupted or relocated. 

Here are some examples of circumstances we can cover:

  • Bad weather
  • Key people  
  • Contagious disease
  • National mourning
  • Acts of terrorism
  • Strikes
  • Riots and popular movements


Unavailability:

  • Unavailability cover is important when the success of an event or tour depends on artists, public figures, keynote speakers, etc. Policies are designed to cover costs, expenses and revenues when an event is cancelled, abandoned, postponed, interrupted or relocated because one or more key people are unable to attend due to unavoidable travel delays or death, injury and/or illness.
  • When the unavailability of key people is a decisive factor for participants, insurance is ready to protect them.


We also offer the following cover:

  • Bonus and prize compensation (in the sports sector)
  • Contractual bonus
  • Death, breach of the peace, offence to public decency                 

Audiovisual Focus

The purpose of the Audiovisual All Risks insurance policy is to cover the financial losses you incur when the shoot specified in the contract is cancelled, postponed, suspended, shortened or moved due to the occurrence of an event beyond your control, not excluded by the contract, and making it impossible for the shoot to continue or to run smoothly.

Audiovisual All Risks insurance also covers the reimbursement of financial losses arising from additional non-recoverable costs incurred to prevent cancellation, such as the costs incurred in organizing a postponement of the shoot.

Risks arise in the three main phases of audiovisual content production:

  • Pre-production phase: the period during which the risk is lowest, i.e. preparation for filming.
  • Production phase: the period during which the risk is highest, i.e. when the audiovisual content is shot.
  • Post-production phase: the editing, calibration and mixing of audiovisual content. The main risk is the destruction or deterioration of rushes or media.

Our clients

We work with organizers of all kinds of events: 

  • Sports
  • Music 
  • Entertainment 
  • Conferences 
  • Seminars 
  • Exhibitions
  • Concerts 
  • Shows
  • Festivals
  • Fairs
  • Weddings
If you organize events, taking out such insurance can help you manage the unexpected and protect your investments. 

Our sectors

Why chose Howden ?

Do certain scenarios keep you awake at night? You might not realize that it's possible to prevent these worst-case scenarios from occuring.  We're here to help you insure risks you never knew existed.

  • Tailored offers: whatever the issue keeping you up at night, we strive to find a viable solution to protect your balance sheet, and offer tailor-made solutions for risks not covered by traditional insurance policies. 
  • Flexibility: whatever the problem or the nature of your request, we do our utmost to find a way of transferring financial risk to the insurance market.

Contact

Photo of Florence Bidard

Florence

Florence Bidard

Director of the Liability & Special Risks Product Line
Photo of Florence Bidard

Florence Bidard

Director of the Liability & Special Risks Product Line

Florence Bidard holds a Master's degree in Business Law and a postgraduate degree in Insurance Law obtained from the University of Caen, as well as a Master of European Law from the University of Edinburgh.
Florence began her career at the brokerage firm Impact Assurances. She joined the AIG group in 1999, where she held various underwriting and management positions in the financial risks and liability departments. She later became responsible for development and brokerage relations, overseeing regional delegations.
Before joining Howden France, Florence served as Director of the Liability and Environmental Department at Liberty since 2018. She was appointed Director of the Liability & Special Risks Product Line at Howden France in July 2023, bringing her extensive expertise in underwriting and client relationship management to the role.

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