Event Liability Insurance

Event Liability Insurance

The Risks

Potentiallly, anyone who falls, trips or slips at your event could become a claimant. If serious damage is caused to the venue, who pays you are liable? Equipment and property coming on site carries the risk of being damaged.

In these litigious times people are more aware of their legal rights, and are more willing and more able to resort to persue the law to obtain compensation for injury, loss or damage caused by another party. It can be expensive to lose a legal action. reforms to the legal system and a claimant-friendly legal environment mean that awards for personal injury continue to rise.

Everyone in business requires liability insurance; the events sector is no exception. Whether your event is a luncheon meeting or a full international convention or music festival, there are risks.

Liability Insurance Sections

Most general insurers do not provide insurance for events, if they do, it is unlikely to be specifically developed for the requirements of events organisers. The liability cover in EventAssured Online is designed for events and based on the same quality core wording, as our advised products, it also provides some of the widest cover on the market .

Key features include:

  • Public liability cover up to £10 million.
  • Employers liability £ 10 million.
  • Employer's liability is available Europe-wide.
  • Contractual liability and indemnity to principal.
  • Indemnity to venue owners or operators.
  • 3 currency options - £, € and $.
  • Indemnity to directors and employees.
  • Liability for damage to venues.

Event Cancellation and Disruption Insurance

The Risks of Disruption are real

From a simple village fete to a large music festival with 250,000 visitors, risk is present at your event.

The following have all happened to somebody, at some time:

  • The venue may not be available due to damage by fire, storm etc.
  • The failure of key utilities or equipment such as power, heating, lighting, sound, kitchens, toilets, fire safety equipment,all of which have the potential to make the venue unavailable.
  • Denial of access to the venue by emergency services
  • Terrorism leading to closure of transport or denial of access.
  • Adverse weather conditions disrupting road, rail, air, and sea transport, or affecting outdoor events.
  • Strikes causing disruption to scheduled rail or airline services.
  • Speakers or entertainers who fail to turn up due to illness, delays or other problems.
  • Outbreaks of infectious diseases leading to quarantine or restricted access.
  • Outbreaks of civil disorder - riots. This may also have indirect effects, for example by causing denial of access.
  • National mourning which can lead to closure of venues.
  • Inability to leave the venue at the planned time, which might incur penalties.
  • reduced attendance due to some unforeseen event or "critical mass" non attendance meaning so many people are revented from getting to the event that it has to be abandoned.
  • Even volcanic eruptions in Europe - need we say more?

There are other examples, and you may well have had difficult situations in your own events.

It is surprising how a poor Event Insurance would not cover many of these situations. Our Event Insurance can.

What is at Stake?

You could lose or have pay out some or all of the following:

  • All the expenses you have incurred in staging the event.
  • Additional costs which might be incurred.
  • refunds to delegates, exhibitors, sponsors etc.
  • Panalties for not vacating the venue on time.
  • Lost profit - for revenue earning events.

Poor Event Insurance does not cover all of this. Our Event Insurance can.

Event Property Insurance - All Risks

Equipment is At Risk

Equipment at events ranges from high-end computers and audio visual systems down to basic tables, chairs & napery, all of which are someone's responsibility. It is important to buy cover on the correct basis; for most equipment this should be on a reinstatement basis because if it gets lost or destroyed, you will have to bear the cost of replacement. To avoid under insurance make sure that the sums insured are calculated on this basis too. remember to check the hire contract, If the equipment is damaged, you may be responsible for loss of hire charges whilst it is repaired.

Please note that in common with other event insurance policies, Event Insurance Online property cover in standard form is not suitable for fine art, antiques, collectibles and the like where "replacement as new" is clearly inappropriate - a different basis of valuation is required. If you need to cover this type of property, please talk to us first.

Key Features include:

  • Covers event property owned, borrowed or hired for the event.
  • Includes transit to, from and whilst at the event including loading and unloading.
  • reinstatement "new for old" basis of cover.
  • Terrorism cover included.
  • Loss of hire charges cover up to 25% of the value for hired equipment.
  • Damage to venue up to £50,000.
  • Optional cash cover.

Where Your Business Is Located

If you are based in the following countries our event insurance can be taken out, if your country is not listed below please call 0800 840 2469 to arrange cover.

  • British Virgin Islands
  • England
  • Gibraltar
  • Guernsey
  • Hong Kong
  • Isle of Man
  • Israel
  • Jersey
  • Northern Ireland
  • Scotland
  • Singapore
  • Switzerland
  • Wales
  • For other countries call 0800 840 2469

Christmas Fairs/Markets

If you’re either arranging a local Christmas Fair/Market or planning on taking a stall at one you will need Public Liability Insurance. This will protect you against claims for trips/slips and the like for which you could be held responsible.

Also, if you are taking a stall, you should also consider Products Liability cover to protect against claims made due to your wares being faulty in any way. In fact, if you are a small trader, producing your own craft ware/small batch foodstuffs and attending several events a year then it may be more economical to take out an annual policy.

Here at Cover4Insurance we have extensive experience of placing this type of insurance and have access to a number of specialist markets. For a one off event just click here to obtain a quotation in minutes. If you would prefer to discuss an annual policy, please complete the call back form here and we’ll get straight back to you.

Coronation – Street Parties

King Charles’ Coronation – Street Parties

Kings Charles’s Coronation will take place on 6th May 2023 and an additional Bank Holiday has been granted on Monday 8th May. Many people will be looking to hold a street party to celebrate this event so here’s a few points to guide you along the way.

In advance

Apply to the council for road closure a couple of months in advance. To find out what information will be required click here 

Try to involve as many people as possible, giving out jobs to everyone rather than having just one organiser

Plan activities for all ages and tastes

Ensure road signs, tables, chairs, food etc are organised in advance

Take out street party insurance (Link to quote here)

Week before

Send out reminder to all residents including asking for cars to be moved if needed

If required display the legal order for road closure

On the day

Set up road closure barriers and put up bunting etc

Keep an eye on road closure in case someone wants to come in or out

Ensure the road is cleaned up and opened to traffic once the party is over