What we cover

Event & Festival Cancellation Insurance:
Because mother nature (or a sick headliner) didn't get the memo.

The Lowdown

Months of planning, huge upfront costs, and thousands of excited ticket holders – organising an event is a massive rush. But if bad weather rolls in, a headliner cancels at 2:00 AM, or a venue suddenly gets shut down, your revenue can vanish in minutes.

Event Cancellation (Contingency) Insurance protects your ticket sales, vendor deposits, and sanity when the unpreventable happens—all with zero hidden commissions driving up your bill.

What it protects against

Extreme Weather
Unsafe winds, torrential rain, or heatwaves that force a shutdown or site evacuation.
Non-Appearance
Key performers, speakers, or artists who can’t make it due to illness, injury, or travel chaos.
Venue & Access Issues
Power failures, venue damage, or blocked access routes that make the site unusable or unsafe.
Unavoidable Cause for Cancellation
Sudden police or government order closures outside your control.
Abandonment or Postponement
Financial losses if you have to reschedule, shorten, or relocate the event mid-way through.

Who Needs It

Music Festivals & Live Concerts

Protects against artist non-appearance, stage-destroying storms, and massive multi-day revenue loss.

Conferences & Corporate Expos

Shields against key speaker cancellations, tech outages, or sudden venue lockouts.

Community Fairs & Food Truck Rallies

Covers non-refundable site fees, equipment hires, and lost vendor deposits if wet weather washes out the day.

Sports Tournaments & Outdoor Competitions

Guarantees financial recovery if hazardous grounds force a total event call-off.

FAQs

Does this cover if ticket sales are just low and people don't show up?

Nope! Cancellation insurance covers unforeseen external events (like severe storms or artist illness), not lower-than-expected demand.

Can we cover extreme weather for outdoor summer events?

Yes, but timing is key. Weather coverage needs to be locked in well before the event (usually at least 14 days out), so don’t wait until the 7-day forecast shows a storm brewing to give us a shout!

How is Luma different from traditional brokers?

Traditional brokers often hide kickbacks and commissions inside high premiums. At Luma, we cut out the hidden fees, speak plain English, and make sure you only pay for the protection your event actually needs.

Ready to safeguard your event budget?

Don’t gamble on the weather or airport delays. Let’s get your event protected in minutes.

Book an Initial Chat Get a Quick Quote

J J

70 days ago

Highly recommend Luma. Our apartment building's insurance needs are complex, including a Heritage Overlay. Thanks to our broker David at Luma who patiently addressed all our questions, we now have insurance tailored to our specific needs and at a considerably lower price than what we were paying another broker. Fabulous to deal with and a great result for us.

Emporium @

7 days ago

Very good service from David! Smooth process throughout!

Ange G

202 days ago

A friend that knows David rang and asked him if he could look after me with insurance, The next day David contacted me . After a few questions he got on to it straight away I could not believe the service he was so quick to get back to me with the quote. Easy to talk too. Highly recommend him . 💯

Lis

32 days ago

I had a great experience speaking with Aaron and David. They advised me with genuine care, honesty, and integrity. Even when they could have made a profit, they were upfront and told me that I wouldn’t need their services. I really appreciated their transparency and willingness to put my best interests first.

Jeremy L

145 days ago

Direct, very helpful and easy to deal with.

Life O

0 days ago

Team at Luma helped me with my market stall public liability insurance. David and Norkee helped me with this. Communication from the team was clear and on time. If anyone is looking for a market stall insurance for a day’s event or for whole year, I will advise them to seek assistance from Luma Insurance.

Christopher C

338 days ago

Excellent experience from a genuine professional. I called late on a Friday afternoon at the last minute as my business cover was about to expire. David really pulled out the stops and worked over the weekend to find me a great deal. He didn't try to hard-sell either. Instead he talked me through the cover in a very transparent way. Not what my previous experience has been form insurance brokers. And the saving speaks for itself. My renewal notice was for $1692 and after listening to what I actually needed I paid $988. Amazing. Thanks David!

Paula A

159 days ago

I cannot recommend Luma insurance highly enough. David helped me set up my market insurance. He answered all my questions and when unsure about cover for a specific item I was selling, got back to me quickly with the answer I needed. Policy price was very reasonable and service was excellent. Thank you so much, I really appreciate all your help.

Richard K

195 days ago

We here at The Bergy Seltzer and Bergy Bandroom have changed over to Luma Insurance as our brokers. They have done an amazing job to reduce our insurance cost.

Leighroy M

41 days ago

The guys were very quick to respond, thourough with detail and twice as fast as any other broker. I would recommend these guys to anyone in the industry as they made the whole process seamless.

Christopher

110 days ago

Luma was excellent in providing our dental clinic insurance. From start to finish, everything was seamless. Very competitive quotes provided compared to others. Have already recommended to all my friends.

Eduardo N

119 days ago

I highly recommend Luma Insurance. David and Aaron helped my consulting business Neu21 get the Public Liability and Professional Indemnity Insurance fast and hassle free. The price was cheaper by 30% of what we had been paying previously. Communication and process was great and completely transparent. Thank you for your support.

Nighthawks B

315 days ago

David and Aaron from Luma Insurance have set about to work hard to provide affordable and fair insurance for operators in the live music and hospitality sector and that is exactly what they are achieving in only a short time. It is heartening to see a small business finding success for its customers in an ethical way in an otherwise classically profit driven industry. Highly recommend you get in contact with either David or Aaron if you want honest, fair, transparent insurance tailored to the needs of your small business. Five stars!

Darren K

272 days ago

David provided exceptional service from beginning to end. Not only were the prices of my business insurance much cheaper than competitors, the benefits were also better. Not to mention his follow up to get it done was excellent - considering my last broker didn’t even follow up my renewal and I realised 3 months later that I was insured. Highly recommend.

Tresna L

25 days ago

David took the time to actually understand our business rather than just quoting on the previous year's schedule. He came back quickly on every question, pushed for detail from the underwriter when we asked, and was straight with us when something wasn't in our favour. We ended up with better cover than we'd had and a significant saving on premium. Happy to recommend him to other hospitality businesses.

Brendan F

208 days ago

David at Luma Insurance was outstanding from start to finish. He managed to reduce my public liability premium by more than half compared to what I’d been paying previously, which was a huge win. Last year I actually had to go overseas to secure the same cover at a better price, so to now have that level of value locally is a game changer. David was proactive, easy to deal with, and followed everything up properly — a big contrast to my previous broker who didn’t even follow up my renewal. Highly recommend if you want someone reliable who genuinely looks after your interests.

Sean D

465 days ago

Very happy with my first interaction with Luma. The process was pain-free, information flow was great and they got me a significant reduction in cost for an identical policy. As a result, I referred Luma to a colleague for their car insurance and he had a similar experience - fuss free and a decent saving. Highly recommend!

Emmanuel {

Amazing service and follow through,at the end of day it's all about getting the right cover for the best price - for the restaurant and our live music venue they absolutely smashed it out the park . cannot recommend highly enough.

Tim M

Luma have been great

Gus B

294 days ago

Thanks for getting me great insurance coverage across both venues and awesome service!

Leanne S

409 days ago

If you are a solopreneur looking for insurance advice AND a personalised experience - Luma Insurance are the way to go. Super responsive, no jargon, and willing to go the extra mile.

R M

179 days ago

David and Aaron at Lumo are the real deal! Super professional and very good at what they do - getting the best most comprehensive Business insurance policies for a very reasonable price. Would Highly recommend!

Emily C

132 days ago

Unreal experience with David and Aaron- looked after me and my business thoroughly and helped me save a lot of money. Definitely recommend/10

Ben R

Saved our venue THOUSANDS. Cannot recommend enough. These guys should be bronzed!!

Jon B

382 days ago

Have known David for many years and highly regard his business acumen. Luma has been created to disrupt the general insurance market and they have not let me down. Their understanding of my business' needs was excellent and they provided comprehensive advice that met those needs and saved me money. Advice was thorough, identified risks I hadn't considered and was easy to understand. I wouldn't hesitate to recommend Luma to anyone seeking quality, personalised advice and great service.

Steven M

38 days ago

Extremely helpful thanks

Music O

63 days ago

Excellent service and quotes! Dump your big insurer and go to these guys!

Event & Festival Cancellation Insurance: Because mother nature (or a sick headliner) didn't get the memo.