At a glance
Understand the risk.
Ask the right questions.
Exhibition Insurance starts with a clear picture of the work you perform, the responsibilities you accept and the events that could interrupt your business. This guide brings together common risks, insurance categories, practical documents and questions to discuss with your broker. Your business may need a different combination of covers or extensions from another business in the same industry.
Use the sections below to prepare for an insurance conversation in Perth, Sydney, Melbourne, Brisbane, Canberra or elsewhere in Australia. These examples are general information, not a recommendation that a particular policy is suitable for you. Your activities, locations, contracts and the applicable policy wording need to be considered together.
General information only. This does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you. Cover is subject to insurer acceptance and the policy terms, conditions, limits and exclusions. Read the Financial Services Guide and the relevant PDS (where applicable) and/or policy wording before deciding.
01 / Understand your exposure
Common risks to consider.
- The event is postponed or cancelled after a specified incident affects the venue, supplier or organiser.
- A guest, exhibitor or contractor is injured around staging, temporary structures, displays or catering areas.
- Hired equipment, decorations or venue property are accidentally damaged.
- An incident arising from the day-to-day activities of exhibition organisers and exhibitors leads to an allegation of injury, damage or financial loss.
- A contract, approval or record does not clearly document the responsibilities of exhibition organisers and exhibitors after a problem occurs.
- Damage to artwork, instruments, costumes, cameras, exhibits or production equipment.
02 / Connect risks with cover
Insurance commonly considered.
No single package suits every business. The descriptions below identify possible cover categories; each is subject to its own wording and underwriting.
may combine public liability, property and selected cancellation exposures for declared events, subject to dates, attendance, activities and cancellation causes.
may respond to certain third-party injury or property-damage allegations arising from business activities, subject to the insured activities and policy wording.
may cover scheduled or declared artworks and collections against specified physical loss or damage, subject to valuation, security, transit, packing and display conditions.
may cover specified buildings, contents, stock and equipment following insured events, subject to declared values, exclusions and settlement terms.
may respond to covered allegations that professional services, advice, designs or omissions caused financial loss, subject to the insured services, retroactive date and claims-made notification requirements.
may assist with specified cyber incidents, privacy events, response costs and business interruption, depending on the event, security controls, sub-limits and exclusions.
Business interruption insurance
may assist with insured loss of gross profit or revenue and certain additional costs when a covered event triggers the policy, subject to the indemnity period and calculation basis.
A policy name does not establish that an activity or incident is insured. Review the insured business description, trigger, conditions, limits, excess and exclusions with your broker.
03 / A closer look at your business
Details worth discussing.
Follow exhibits from delivery through dismantling
An exhibition brings together an organiser, venue, exhibitors, installers and visitors, with responsibilities changing across the schedule. Explain whether your business organises the exhibition, manages the venue or participates as an exhibitor. Describe the objects or products displayed, including valuable, fragile or operational items. Include loading, storage, installation, public access and return transport. A display of artworks differs from a trade exhibition demonstrating machinery, so the broker needs the actual content and activities. Identify who owns the exhibits and who accepts responsibility while they are on the stand, in storage or being moved.
Consider the temporary structures and services around the display. Stands, lighting, screens, power supplies, signage and hired furniture may be supplied by several contractors. Explain who designs and installs them and whether demonstrations or audience participation occur. Identify equipment left overnight and any restrictions on venue access. Ask how the proposed cover treats exhibits, hired property, third-party allegations and any cancellation options being considered. Property cover for an exhibitor should not be assumed to protect the organiser’s financial commitments, and the venue’s arrangements should not be assumed to insure every item brought into the exhibition hall.
Make exhibitor and handling responsibilities traceable
Bring venue terms, exhibitor agreements, stand-builder contracts and transport arrangements to the review. Identify responsibility for damage, installation, storage, insurance and removal of items after closing. Retain the final layout and approved changes, especially where an exhibit needs unusual access or support. If an owner lends an object, clarify valuation, condition, authorised handling and the period of responsibility. Seek appropriate advice on indemnities or commitments that appear broader than the available insurance. A brief booking confirmation may not contain all the terms, so include schedules and documents incorporated into the agreement.
Prepare an inventory appropriate to the exhibition, with values, ownership and identifying details where relevant. Condition photographs on arrival and departure can help establish when damage may have occurred. Keep packing instructions, courier acknowledgements and installer records connected to the correct exhibit. For the organiser, maintain the event budget and supplier commitments separately from exhibitors’ property schedules. Describe security and access arrangements as they will operate during setup and overnight periods, not only while visitors are present. Accurate information supports underwriting and later assessment, although the policy’s valuation and settlement provisions still determine how an accepted property claim would be treated.
Prepare for damage without losing the exhibition record
If an exhibit is damaged, restrict further handling and obtain appropriate technical or conservation advice. Record its condition, location and the activity underway when the damage was discovered. Preserve packaging and relevant movement records where useful and safe. Contact the broker or insurer about assessment and proposed repair before authorising substantial work where circumstances permit. If a visitor is injured, prioritise assistance and preserve factual accounts and layout information. Keep the owner’s demand, repair estimate and effect on exhibition operations distinguishable. Those issues can involve different parties and policy sections even when they arise from the same incident.
Review the exhibition arrangements when dates, venues, displays or demonstrations change. A new high-value loan or an operating product demonstration can alter the exposure substantially. Update peak values and consider the availability of replacement equipment, specialist handlers and alternative storage. Maintain contact details for owners and exhibitors outside the only system used for on-site registration. Ask how insurance periods align with delivery and collection and how relevant exclusions affect the proposed displays. A precise review follows the full custody and event timeline rather than assuming that protection begins and ends with the hours the exhibition is open to the public.
04 / Put it in context
What an incident might look like.
Hypothetical examples only. These are not BAU client stories or predictions of a claim outcome.
The event is postponed or cancelled after a specified incident affects the venue, supplier or organiser. The affected party seeks compensation, defence costs or rectification expenses. Whether any policy responds would depend on the allegations, insured activities, policy trigger, exclusions, excess and limit.
A guest, exhibitor or contractor is injured around staging, temporary structures, displays or catering areas. The event also interrupts normal trading or creates additional expense. Property, liability, professional, cyber or interruption cover may be relevant only where the facts satisfy the applicable wording.
A few minutes. A different perspective.
Put your thinking
into practice.
Three situations for exhibition businesses. Choose a practical next step, then explore why the details matter.
A learning activity with hypothetical situations. It is not a risk assessment, personal advice or a prediction of insurance cover.
What would you do next?
Work through the facts, the records and the questions you would take to your broker. There is no time limit.
05 / Prepare for the conversation
Bring the details.
Make the discussion useful.
Documents and contracts
- Venue-hire, exhibitor, supplier and cancellation agreements.
- Event plans, attendance estimates and equipment schedules.
- Loan, consignment, exhibition, performance and venue-hire agreements.
- Condition reports, valuations, inventories and transport or packing instructions.
- Artist, performer, production, licensing and image-release agreements.
- Event plans, ticketing terms, security plans and cancellation contracts.
Questions to ask before choosing cover
- Are items insured at agreed value, market value or replacement value, and are valuations current?
- Does cover continue during transit, installation, loan, touring, storage and outdoor display?
- Who is responsible under venue, loan, consignment, performer and supplier agreements?
- Are cancellation causes, weather, non-appearance and venue unavailability addressed?
- Are copyright, media liability, cyber, equipment and public liability included where relevant?
06 / Know the limitations
What may not be covered.
The following are examples only, not a complete exclusion list. Product terms vary, and the applicable PDS and/or policy wording must be checked.
- Inherent vice, gradual deterioration, defective materials, poor packing or ordinary wear.
- Unexplained disappearance, unattended property or theft without required security.
- Outdoor displays, touring, international transit or high-value items not declared.
- Cancellation for causes not listed in the policy, including poor ticket sales or change of mind.
- Intellectual-property, defamation or professional-services claims unless the relevant cover is included.
07 / Questions, explained
Frequently asked questions.
What insurance do exhibition organisers and exhibitors commonly consider?
Depending on their activities, assets, staff and contracts, exhibition organisers and exhibitors may consider Event insurance, Public and products liability insurance, Fine art insurance. Other policies or extensions may also be relevant. No single list is suitable for every business, and availability is subject to insurer appetite and underwriting.
Would insurance automatically respond if the event is postponed or cancelled after a specified incident affects the venue, supplier or organiser?
Not automatically. A claim outcome depends on the actual facts, the policy period, insured activities, definitions, exclusions, conditions, excesses, sub-limits and notification requirements. The relevant wording should be reviewed before relying on cover.
What information is usually needed to obtain a quote for Exhibition Insurance?
Insurers commonly request turnover or revenue, payroll, staff and contractor numbers, locations, claims or complaints history, and the exact activities to be insured, plus events, attendance, participants, volunteers, venues, equipment and safeguarding arrangements. Complete and accurate disclosure helps the insurer assess the risk, but it does not guarantee that cover will be offered or that a future claim will be accepted.
08 / Keep exploring
Connect the wider picture.
Read about the primary insurance categories and clarify the terms used in policy discussions. A link does not mean a product is suitable for your business.
Useful insurance terms
Official guidance
Local understanding. National reach.
Across Australia.
Connected to your business.
Based in Osborne Park, Western Australia, and supporting businesses nationally. These are service areas, not separate BAU offices. State and territory requirements can differ.
WAWestern Australia+
Perth, Bunbury, Mandurah, Rockingham and Kalgoorlie.
NSWNew South Wales+
Sydney, Newcastle, Central Coast, Wollongong and Maitland.
VICVictoria+
Melbourne, Geelong, Ballarat, Bendigo and Shepparton.
QLDQueensland+
Brisbane, Gold Coast, Sunshine Coast, Townsville and Cairns.
SASouth Australia+
Adelaide, Mount Gambier, Whyalla, Gawler and Port Pirie.
TASTasmania+
Hobart, Launceston, Devonport, Burnie and Ulverstone.
ACTAustralian Capital Territory+
Canberra, Gungahlin, Tuggeranong, Belconnen and Woden Valley.
NTNorthern Territory+
Darwin, Palmerston, Alice Springs, Katherine and Nhulunbuy.
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