What types of student union insurance do you offer?

We offer comprehensive student union insurance including: Public Liability (£10M standard), Employers' Liability (covering sabbaticals and student staff), Property & Contents, Professional Indemnity (for advice services), Events & Activities cover, Loss of Licence, D&O Liability, Cyber Insurance, and Sports & Society protection. Our modular approach means you only pay for what your union needs.

How does your coverage stack up against traditional insurers?

Our coverage is comprehensive and specifically designed for the complexities of student unions. You get all the standard protections, plus transparent impact reporting and the assurance that your money isn't funding unethical industries.

Is switching student union insurance providers complicated?

Absolutely not. We've designed a seamless process. We analyse your current policies, identify any gaps, handle all the necessary paperwork, and ensure a smooth transition with zero interruption to your coverage.

How do we explain ethical insurance to the university?

We equip you with the tools you need. We provide communication materials specifically designed to articulate the financial, operational, and ethical rationale behind your decision to university stakeholders.

Do you cover student societies and sports clubs?

Yes, our student union insurance includes comprehensive coverage for all society activities and sports clubs. This includes BUCS competitions, off-site activities, trips abroad (with proper risk assessments), and personal accident cover for student athletes.

What about our commercial operations like bars and shops?

Our student union commercial insurance fully covers SU bars, shops, cafes and other commercial ventures. This includes stock cover, loss of licence protection, business interruption, and all associated liability coverage. We understand these operations are vital to your financial sustainability.

Will this help our university's sustainability goals?

Absolutely. Our impact reporting aligns with standard sustainability frameworks, providing you with trackable metrics that directly contribute to your institution's overall environmental performance indicators. Perfect for supporting divestment campaigns and net-zero commitments.

When should we consider switching our student union insurance?

Most student unions review their insurance annually, often aligned with the academic year. The sweet spot for exploring your options is about 2-3 months before your renewal date. We offer free, no-obligation coverage reviews to help you make an informed decision.

Insure what matters

Events Insurance That Aligns With Your Values

Q: Will ethical student union insurance cost more?

Being ethical doesn't mean breaking the bank. Our Student Union package offers rates that stand shoulder-to-shoulder with traditional insurers, but with coverage designed specifically for SU operations. Our modular structure ensures you only pay for what your union truly requires.

You’re not running a simple event. You’re creating cultural moments, bringing communities together, championing causes that matter. From intimate arts gatherings to major music festivals, you’re shaping experiences that resonate far beyond the weekend. And you’re doing this for an audience that doesn’t just attend events, they choose them based on values.

Let’s be clear, insurance shouldn’t be quietly undermining progress. It should fund it.

Our Trusted Partners

Why Student Unions Are Choosing Planet Protection

More Than a Policy. It's a Pact.

Planet Protection is the UK’s first ethical insurance company, founded on a simple but powerful truth: the insurance industry is built on premiums where billions are funnelled into the very industries today’s students are fighting against, fossil fuels, unethical ventures and controversial industries.

By switching to our festival and events package, you’re not just getting insurance. It’s about drawing a line in the sand. It’s about actively reshaping what insurance can be, you’re joining a movement to transform how insurance works.

Built Smart. Built for You.

We get festivals. Your challenges are unique, your responsibilities vast. That’s why our coverage is purpose-built:

Rock-Solid Foundations: Public Liability up to £25 million. Because when thousands gather, comprehensive protection isn't optional.
Versatile Cover: Because British weather doesn't care about your lineup. Optional extensions for event cancellation and contingencies; weather, performer no-shows, venue issues.
Protecting Your Entire Ecosystem: From sound systems to staging, during setup, event, and breakdown, we've got you covered.

Tailored Insurance for your Union

Every festival is unique—from intimate community arts gatherings to major multi-day music festivals with camping, food vendors, and multiple stages. We build your insurance package by combining only the coverage you actually need, ensuring comprehensive protection without paying for irrelevant extras.

Our modular approach recognises that a weekend music festival with alcohol service and overnight camping needs different coverage than a one-day environmental awareness event focused on education and community engagement.

Public Liability

Essential protection when thousands of people gather to celebrate. From slip and fall incidents to property damage, we’ve got you covered.

Employers' Liability

Your crew, volunteers, and temporary workers are the backbone of your festival. Legal protection is non-negotiable.

Event Cancellation & Contingency

British weather doesn’t respect festival schedules. Neither do global pandemics, performer illnesses, or venue emergencies.

Equipment & Infrastructure

From sound systems to staging, lighting rigs to catering equipment – everything that makes your festival possible.

Professional Indemnity

For events providing advice and services. Coverage for errors, omissions, and breach of professional duty.

Additional Options

D&O, Cyber, Terrorism Extension, Non-Appearance Insurance, Environmental Liability

Beyond our core coverage, we offer specialist extensions including Directors & Officers protection for management decisions and governance claims, Cyber Liability for digital ticketing and payment system breaches, Terrorism Extension coverage (requiring official confirmation), Non-Appearance Insurance for key performers (triggered by documented illness or accident only), and Environmental Liability protection for pollution incidents and environmental damage.

The Impact? Real. Tangible. Non-Negotiable.

Meeting Your Guest's Expectations

Festival-goers aren’t just looking for great lineups; 56% actively consider environmental impact when choosing events. Your insurance provider speaks volumes about your values. Your coverage? It’s time it amplified the right message.

Turn Your Premiums into Planet-Positive Action:

See Where Your Money Goes: Our insurance builds on frameworks developed by environmental research organisations to ensure all lines of insurance are vetted for ethical alignment.
Ethically Grounded, Always: Leading the drive to cut off funding for harmful industries, such as fossil fuels, controversial weapons, and migrant detention facilities.
Proof in the Numbers: Digital impact certificates quantify your contribution to real environmental projects.
Your Sustainability Journey: Reporting tools that seamlessly integrate with your own environmental metrics.

Fuelling Your Fight for Change:

Lead by Example: Walk the talk. Your insurance choice demonstrates unwavering environmental commitment to attendees and partners.
Credibility You Can Bank On: Strengthen your position when advocating for sustainable practices across the festival industry
Direct Climate Action: Your premiums actively contribute to a healthier planet through vetted environmental projects and our network of charity partners.
Future-Proofing Your Festival: Align with the UK's net-zero targets and growing audience expectations for environmental responsibility.

Built on Solid Ground. Not Empty Promises.

We didn’t just dream this up. We partnered with the best:

Students Organising for Sustainability (SOS-UK): Ensuring our approach resonates with the very students you serve.
NBS Insurance: With deep expertise in coverage specifically for the nuances of student unions.
Ecclesiastical: Our capacity provider, renowned for their understanding of the university sector.

Competitive Rates. Uncompromising Coverage.

The Smart Choice Isn't Just Ethical. It's Economical.

Being ethical doesn’t mean compromising on protection or breaking the bank. Our Festival and Events package offers rates that compete with traditional insurers, but with coverage designed specifically for your unique risks.

Ready to Make the Switch?

It's Easier Than You Think

Technology That Works

We’re building tools to make your life easier:

Seamless Start: An intuitive platform designed with festivals and events in mind.
Smart Insights: Intelligent analysis of your current policies and documents.
Real-Time Impact: Track your environmental contribution with a dynamic dashboard.
Effortless Reporting: Integrated metrics to simplify your sustainability reporting.
Always-On Support: AI-assisted claims guidance, 24/7.

A Smooth Transition

We’ve streamlined the process to be as painless as possible:

No-Obligation Review: We'll dissect your current coverage, highlighting gaps and opportunities.
A Proposal Built for You: A customised package tailored to your unique operations.
We Handle the Heavy Lifting: We manage the paperwork, ensuring continuous coverage.
Quick Start: Fast onboarding to your digital dashboard and impact tracking.
Dedicated Partnership: Ongoing support from our student union specialists.

A Market Ready for Revolution.

UK festivals represent a significant cultural and economic force. By collectively shifting insurance premiums towards ethical providers, you can drive real industry transformation while securing better, tailored coverage for the unique risks you face.

Testimonials

What Our Partners Are Saying

“Switching to Planet Protection wasn’t just a financial decision; it was a statement. Our students demanded integrity across the board, and now our insurance actively supports the future they’re fighting for.”

Student Union President

“The coverage is robust, the cost is competitive, and the impact reporting gives us tangible data for our sustainability initiatives. It’s a win-win.”

Commercial Services Manager

Ready to Make a Difference?

Join the Movement Today

Contact Our Festival and Events Specialists

Speak directly with our dedicated festival and events team:

faqs

Straight Answers, No Jargon.

What makes your insurance genuinely 'ethical'?

We put our money where our mouth is. Your premiums will never be invested in fossil fuels, weapons manufacturers, or migrant detention facilities. We provide complete transparency about where your money goes and actively allocate a portion to environmental projects with measurable impact.

Do you cover all types of festivals?

We cover festivals from intimate community gatherings to major multi-day events. Whether you’re organising music festivals, arts events, food festivals, or environmental gatherings, we have experience with the unique risks each type faces.

What about weather-related cancellations?

Our adverse weather coverage protects against cancellation due to exceptional weather conditions verified by the Met Office. Coverage must be purchased at least 14 days in advance to ensure proper risk assessment.

How quickly can you provide coverage?

We typically provide quotes within 24-48 hours and can arrange cover quickly once terms are agreed. For complex or large-scale festivals, we recommend starting the process 3-6 months in advance.