1st July 2010
Public liability events insurance policies will cover claims where
members of the public are involved like a festival, fair, music concert,
play or sporting event. People these days, fully understand their right
and know how to make a compensation claim. If something does go wrong
at your event, and someone makes a claim against you, it could cost you a
fortune, but with this insurance in place, you need not worry. You need
to have necessary plans to face any future challenges with confidence
and without any pressure.
This cover will allow you to pay for the legal fees, costs and expenses
that are incurred in connection with the defense of any claim made
against you, as well as the expenses that can be incurred for your
representation at a court or at proceedings in respect of any alleged
breach of statutory duty resulting in injury or damage.
• Your public liability events insurance will back you up against any
claims made against you and also against any loss of earnings if the
event is cancelled or abandoned due to reasons beyond your control. You
can also get employer’s liability, cancellation insurance and property
insurance as one package in your cover plan.
• Any damage to the venue, building or arena used for the event is also
covered under this type of insurance. You would not normally require any
form of liability insurance by law, however you could become liable if,
for example, you are using some sort of equipment which may cause
injury, accident or damage.
• Public liability events insurance can help you cover the claim made by
a member of the public who sustained injury by tripping over a wet
floor or due to defective paving stone or anyone attending your event
becomes injured due to your negligence. While organising a major event
which is likely to attract a significant attendance, you have the
responsibility to plan ahead by discussing with the local authority and
other emergency services and to follow their advice on issues of public
safety and order.
• The premium and conditions of cover vary according to the type of
event and the insurer and the quotes for each policy will generally
depend on the number of people and type of event. You can get insurance
for a minimum number of people or for a maximum insurable amount. If
you are planning to organise risky events, you must speak to an advisor
• With this type of cover, you can pay compensation and claimant's costs
and expenses in case of accidental injury to any person and damage to
material property etc.
As an organiser or business owner the responsibility of any event, big
or small lies onto you. Therefore, it’s your duty to plan your big day
carefully and, get comprehensive and reliable public liability events
insurance before the start of an event. Failure to arrange for an
appropriate insurance plan might bankrupt your business or ruin your
reputation, should the worst occur.