12th April 2022
Queen's Jubilee — Street Party
Photo by Russ Brown from PublicDomainPictures >Are You Planning A Street Party Or Event To Celebrate The Queen's Platinum Jubilee?
The Queen is celebrating her Platinum Jubilee this year, on the weekend of 2nd of June to the 5th of June.
You can get involved by by attending or organising an event, street party, pageant or lunch; for ideas you can visit https://www.royal.uk/platinumjubilee .
The Risks
You should have liability insurance even if your local council doesn't insist that you do (visit the .gov site for oranising a street party), this does not mean that the people organising the event cannot be held legally responsible, for people injured or property damaged at your street party. It is still worth considering cover.
Do not assume it is covered elsewhere, even club or association insurances may not extend to outdoor events for example.
Anyone who falls, trips or slips at your event; during the event itself and whilst it is being set up and broken down, could possibly make a claim against you, so adequate insurance cover is a necessity.
If a volunteer gets injured, would they sue you? They could be held personally liable if someone gets injured as the result of something they do whilst helping out at the event.
People are becoming more used to exercising their legal rights, and pursuing legal action in order to obtain compensation for injury or damage to their property caused by a third 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.
All of the issues outlined and more need to be addressed and can be by a decent event insurance policy. Every body needs liability insurance - organisers of street parties are no exception.
Liability Insurance Sections
The liability cover in event insurance street party provides some of the widest cover on the market.
Key Features include:
- Public liability cover.
- Optional employers liability cover.
- Optional event equipment.
- Optional cancellation.
- Optional abandonment or postponement.
- Optional adverse weather conditions cover.
Street Party Cancellation and Disruption Insurance
You Street Party is at Risk
Large or small events require a lot of organising, and the costs soon mount up. All the money earmarked for food, drink and equipment hire etc is at risk if the party you are holding is prevented from taking place due to causes beyond your control.
So what causes may arise to disrupt a street party?:
- An accident involving vehicles.
- Denial of access to the venue by emergency services.
- Adverse weather conditions making it dangerous to proceed.
- National mourning.
- Death of or serious illness of a key person featured in the event.
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
The cancellation and disruption section of event insurance street party provides some of the widest cover on the market.
key features include:
