Event Cancellation Extension

The following extension is automatically included, regardless of whether Business Interruption cover is selected or not.

Definitions specific to this extension

Wherever the following words or phrases appear within this policy they will always have the same meaning and will appear Capitalised.


Cancellation

This means the inability to proceed with the Event which cannot be postponed within the Period of Insurance.


Abandonment

This means the inability to complete the Event once commenced.


Adverse Weather

Weather of such severity that the Health and Safety Officer in attendance at the Event (or appropriate emergency authority) certifies that it is dangerous and ​irresponsible to proceed with the Event, having consideration to life and limb of the public attending the Event.


Any claim following adverse weather must be supported by photographic evidence and Met Office records.


Event

Any event that You have agreed with the event organiser to attend within the Period of Insurance


We agree to indemnity You for loss of Gross Income up to £5,000, as a result of the Cancellation, or Abandonment of an Event You are contracted or ​booked to attend from any cause beyond Your control during the Period of Insurance.


EXCLUSIONS

We will not pay for loss of Gross Income, following the Cancellation, or Abandonment of an Event arising from:

  • Circumstances likely to cause Cancellation, or Postponement of the Event, which were known to You prior to and/or at the commencement of this ​insurance.
  • The financial failure of any fund-raising venture on which the Event is reliant.
  • Your failure to make all necessary arrangements to attend the Event in a reasonable and timely manner.
  • Lack of or inadequate response, attendance, or support prior to or during the Event.
  • The non-appearance of delegates, visitors, exhibitors, guests or key speakers because of state affairs or government matters.
  • Industrial action or labour disputes, existing or threatened prior to the commencement of this insurance, whether known to You or not, unless the ​opening date of the Event is more than 90 days after the commencement of this insurance.
  • Court mourning, death of a member of the royal family or head of state.
  • Circumstances arising through or as a result of orders or restrictions imposed by the local authorities, the police, fire or ambulance service.
  • Any contractual breach by You.
  • Cancellation of an Event following the death, injury, or illness of any party over the age of 75 years unless agreed by Us.
  • Adverse Weather unless the Event is certified by the Health and Safety officer in attendance at the event and/or the local emergency services as being ​too dangerous and irresponsible having consideration to life and limb of the public attending the Event. You must also provide photographic evidence ​supporting the Adverse Weather.
  • Any infectious or contagious virus or disease.
  • Any Event that is scheduled to begin within the first 7 days of when this cover is operative.


We will not pay for Loss of Gross Income following the Cancellation, or Abandonment of an Event unless You can provide evidence that You agreed with ​the Event organiser or venue that you were trading at the Event in the capacity of a caterer.