La Playa Media & Digital: Insurance with Intelligence®

Super-Intelligent Insurance for Busy Professionals

La Playa: Insurance with Intelligence®


Does the thought of event cancellation or the non-appearance of a key performer bring out a cold sweat? With the increasingly unpredictable weather, terrorist threats and travel disruption, event managers are shoring themselves up with Cancellation Insurance.

What is Cancellation Insurance?

Cancellation coverage replaces lost revenue and reimburses expenditure incurred from an event which is necessarily and unavoidably postponed, abandoned, cancelled, curtailed or relocated in circumstances beyond your control.

What if...
  • A performer cancels due to illness or injury?
  • A band can't perform because of travel delays?
  • Adverse weather forces your event to be cancelled?
  • A terrorist attack occurs at the venue/in the vicinity?

With Cancellation and Non-Appearance Insurance you can protect income that depends on the event going ahead, or just cover specific costs such as venue hire, speaker/artist accommodation, travel and marketing. Even if it's a free event with no ticket revenue at stake, Cancellation Insurance can cover incurred expenditure.

What can be covered?
  • Your irrecoverable costs & expenses
  • Loss of revenue or net profit
  • Additional expenses to reduce a loss
  • Damages resulting from failure to vacate a venue for which you are legally liable under contract
  • Future event protection to minimize adverse effect on subsequent events in a series

You can also extend your coverage to include:

  • Terrorism
  • Enforced Reduced Attendance if a specific incident impacts on attendance

Pre-existing medical conditions, lack of interest/ticket sales, and financial insolvency of the parties are standard exclusions - and pencilled dates without contracts or letters of agreement cannot be claimed.

Question: Do you know your legal obligations regarding ticket refunds? Do you have an explicit policy in place - and is it appropriate?

How much does it cost?

Cancellation Insurance is infinitely flexible, and can be customized to your needs. You can choose both the sum insured and period of the policy, which could be 12 months, or just specific dates. You might opt to include only your soloists.

The premium is a rate percent of the total sum insured. This can range from 1.00% to 3.5% - depending on factors like performers' ages, cancellation loss history, level of income generation, and whether the event is indoors/outdoors.

Case Studies
Adverse weather

An outdoor event company cancelled two performances due to floods as neither audience nor artists could access the site since all approach roads were under water.

Non appearance

A singer fell ill with laryngitis days before a European festival appearance. A last minute replacement was found, contracted and travelled in time to make rehearsals and the performance.

Travel delays

A leading orchestra arrived at London Heathrow prior to an international tour to find the airport closed due to a strike. Cancellation of the tour would have been a big cost to the carrier - let alone the audience disappointment, and so instead thecarrier paid for the orchestra to be transported to London Gatwick, where a private plane was chartered to fly them to the first country of the tour.


A US group was due to appear in London three days after 9/11 and with all flights out of New York grounded they were unable to travel, forcing cancellation of the event.

Cancellation Insurance

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La Playa's specialist Mediatech team can help you protect your business with smart, flexible, high-performance insurance - with a friendly human UI. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organization. Our specialist policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk.

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Tech-based business is 24/7, global and borderless, always exposing you to new risks and liabilities - often in unfamiliar places. As the law struggles to keep pace with technology, insurance can provide a real safety net if you fall foul of changing legislation.

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