Organizing outdoor events is always exciting and challenging, from music concerts and culinary festivals to auto shows and sporting events. But behind the excitement, there’s risks lurking: heavy rain, stage collapse, audience members slipping, electrical equipment short-circuiting, and participant injuries.
This is the reason why every event organizer must understand the importance of public liability insurance. Without this protection, a small incident could escalate into a major financial disaster and damage the organizer’s reputation.
It’s also important to understand one crucial point in this section: never buy an insurance policy directly from an insurance company or through an agent. Why? Because when a claim occurs, only an insurance broker like L&G Insurance Broker has the full capacity and authority to accompany and fight for your rights until the claim is fully disbursed.
Insurance agents have no legal responsibility to assist with claims, while insurance brokers work 100% in your best interest, not the insurance company’s.
📞 Consult your event needs now with the professional team of L&G Insurance Broker via WA 08118507773 or email to halo@lngrisk.co.id — FREE of charge!
Why Are Outdoor Events Full of Risks?
Outdoor events have their own appeal: open spaces, fresh air, natural light, and unlimited space for expression. But these conditions also increase the risks. Let’s look at some common scenarios:
- Unpredictable Weather
Even if the weather forecast looks clear, conditions can change in a matter of hours. Heavy rain can damage electronic equipment, collapse tents, and cause visitors to slip. - Third Party Property Damage
For example, if a visitor’s car is hit by a falling billboard, or a stage light hits a sponsor’s tent, without public liability insurance, the organizers are obligated to cover all damages. - Visitor Injury or Death
At large events, the risk of injury is unavoidable. A single fall, electrocution, or trampling in a crowd can lead to significant legal costs. - Operational Disruptions and Sponsor Losses
Sponsors can sue if the event fails to run as planned. For example, if their brand tent is damaged or if attendees are unable to access the promotional area due to technical issues.
From a reputational perspective, even a minor incident can instantly go viral on social media. Within minutes, an event organizer’s reputation, built over years, can be destroyed by a single, poorly insured incident.
Public Liability Insurance: The Ultimate Safety Net for Outdoor Events
Public liability insurance serves as a financial and legal shield for event organizers.
This policy covers third party legal liability for:
- Bodily injury or death of visitors, participants, committee members, or other parties.
- Damage to third party property due to negligence during the event.
- Legal costs if the organizer is sued in court.
Real example:
If a concertgoer slips on a slippery surface and breaks a bone, the event organizer could be required to pay for hospital bills and compensation. Public liability insurance will cover these costs, including legal fees if the victim takes legal action.
Without this policy, the organizer must bear all costs themselves, which can reach hundreds of millions to billions of rupiah.
Real Case: Losses Due to Lack of Public Liability Insurance
There are many examples in Indonesia and abroad where outdoor events ended in huge losses simply because the organizers neglected insurance coverage.
- Music Festivals in Jakarta:
Heavy rain caused the tent to collapse, injuring five spectators. Organizers had to pay medical expenses and face legal action. Total losses reached Rp 1.2 billion. - Cycling Events in Bandung:
A participant was involved in an accident due to a fallen sign. The event organizer was sued for negligence. Without insurance, legal costs and compensation would bankrupt the organizer. - Automotive Exhibitions Abroad:
An exhibition vehicle caught fire due to a short circuit. The fire spread to other booths. Public liability insurance covered all compensation costs for the vehicle owner and building management.
Incidents like these demonstrate one thing: the risks of outdoor events are real and can affect anyone.
Why Go Through a Broker, Not an Agent or Directly to an Insurance Company?
Many event organizers think:
“Ah, I can buy insurance directly from the insurance company or through an agent.”
Even though this is a big mistake.
Here are the reasons why insurance brokers are much safer and more profitable for event organizers:
- Brokers Work for You, Not for Insurance
Agents are paid by insurance companies to sell products. Brokers are regulated by the Financial Services Authority (OJK) to protect the interests of their clients (insured). - Brokers Ensure Accurate and Complete Policies
Many event organizers purchase cheap policies but don’t understand the specific exclusions. Brokers like L&G will tailor a policy to your specific event risks, from concerts and culinary festivals to sporting events. - Brokers Assist with Claims Until Disbursement
When an incident occurs, the agent or insurance company has no legal obligation to assist you with the claims process. The broker prepares the documents, negotiates with the surveyor and insurer, and finalizes the claim funds into your account. - Brokers Have Official Reputation and Legality from OJK
L&G Insurance Broker is an authorized company with decades of experience handling thousands of policies in various sectors including major national events.
Types of Outdoor Events That Require Public Liability Insurance
The following are examples of outdoor activities that require public liability insurance:
- Music Concerts and Arts Festivals
The risk of crowds, stage collapse, or audience injury is very high. - Sports Events (Marathons, Cycling, Running, etc.)
Participants may suffer injuries or crash into residents’ property. - Exhibition and Bazaar in Open Area
Risk of electrical short circuit or tent being blown away by the wind. - Outdoor Campus or School Events
Students could be injured during activities, and the school could be sued by parents. - Culinary Festival and Food Market
Risk of food poisoning or injury from kitchen equipment.
Each type of event has a different risk profile, and only an experienced broker like L&G can help tailor your policy to ensure targeted coverage.
Steps to Obtain Public Liability Insurance Through a Broker
- Initial Consultation (Free)
Describe the type of event, location, duration, and estimated number of participants.
The L&G team will analyze your risk needs. - Risk Analysis and Policy Offerings
The broker will compare several insurance companies and choose the one that best suits your event risk. - Negotiation and Finalization of Policy
L&G will ensure all clauses meet your needs, including additional extensions such as food poisoning cover or electrical failure. - Assistance During Events and Claims
If an incident occurs, the broker team will immediately help compile a claim report, prepare evidence, and take care of everything until the funds are disbursed.
The Important Role of L&G Insurance Brokers in the Event Industry
L&G Insurance Broker is not just a policy seller, we are a strategic risk partner for event organizers throughout Indonesia.
We have experience handling hundreds of events from various industries: entertainment, sports, education, to government.
Some of our main advantages:
- Experienced in Event and Project Insurance
The L&G team understands the operational dynamics of events and insurance regulations in Indonesia.
- 360° Service— from risk analysis, policy preparation, to claims assistance.
- Proven Reputation— trusted by many large companies and national agencies.
- Wide Network— collaborate with various well-known insurance companies at home and abroad.
With L&G, you’re not just buying insurance, you’re also getting a team of experts ready to protect your reputation and business.
Common EO Mistakes in Managing Outdoor Event Risks
- Assuming All Insurance is the Same
Many event organizers assume that event insurance automatically covers all risks. However, without a public liability clause, guest injuries may not be covered. - Not Checking Policy Details
Some insurance policies exclude certain risks, such as riots, natural disasters, or contractor errors. A broker will ensure these risks are covered. - Buy Directly from Insurance Company
Without a broker’s help, you have no independent party to fight for your claim. This is the most fatal mistake. - Ignoring Security Documentation
When filing a claim, the insurance company will assess your security procedures. A broker will help ensure all documentation standards are met to avoid denial of your claim.
Outdoor events are full of excitement and opportunity, but they’re also full of risks. Don’t let your hard work, reputation, and significant investment be ruined simply by not having the right protection.
With public liability insurance, you can run the event with peace of mind, because all legal and financial risks are covered.
However, remember one important thing:
Purchasing an insurance policy directly from a company or agent only leaves you vulnerable when making a claim.
If you want to be safe, professional, and definitely assisted until your claim is paid, use the services of a licensed insurance broker such asL&G Insurance Broker.
💬 Contact us now for a FREE consultation:
📞 OF:08118507773
📧 Email: halo@lngrisk.co.id
L&G Insurance Broker — protecting your event, safeguarding your reputation.
