30th April 2010
Public Liability Insurance For Events Is Required By Some Councils and Organisations
Your public liability insurance would cover the property you have been using for the event. If you are a small company or a self-employed tradesman, your livelihood could be ruined by one little mistake, which might not be your own fault.
Your public liability insurance would cover the property you have
been using for the event. If you are a small company or a self-employed
tradesman, your livelihood could be ruined by one little mistake, which
might not be your own fault. You must always plan a safe event in order
to reduce that risk; however, it may not be that easy at times. In
today's contentious society, this type of insurance is even more
important than ever. More and more people, instead of accepting that
loss or damage, which can happen by accident, are encouraged to believe
that it must have been through someone's negligence, and as a result,
they would just make a claim. Your cover can be arranged for up to
millions of pounds, and is now often a requirement for most corporate
• Now a days, many councils and organisations are demanding that public
liability insurance for events must be in place before they allow
anyone to use their buildings, grounds or playing fields being used for
leisure purposes such as exhibitions, fetes, parties or whatever.
The premium is often dependent upon the number of people attending your
event. You should always discuss the event insurance cover levels and
limits of cover and policy details with the event insurance broker,
when they telephone you. It covers you as the organiser against any
claims from any staff that you might employ for the event. The premium
tends to be in relation to the number of staff which you employ for the
• Your public liability insurance may also cover your
event against cancellation or abandonment, postponement, failure to
vacate, adverse weather and rainfall affected and any other eventuality
beyond the control of the organiser of the event. The levels of cover
may also vary depending on your event needs and you should discuss
these with the event insurance broker.
• Such insurance can
be useful for larger street parties. The risks at most street parties
are usually low and so the risk of liability to organisers and councils
is low. This cover is ideal for your party, celebration, exhibition,
fireworks display and sports competition.
• To obtain a quote
you just need to complete a simple events insurance enquiry form for
your event type, and an event insurance broker will get in touch with
you directly by telephone to give you a quote for your event.
There have been huge rises in premium costs in the last few years, for
public liability insurance for events. Even more stressful is the fact
that fewer and fewer insurers are offering policies, making it ever
harder to get underwriters to cover particular risks. Due to the
increase in duties imposed on employers and the rights given as well as
ease of access to compensation, a similar increase in insurance claims
has arisen and as a result premiums have increased. This has forced
many businesses to increase their prices to pay for the costs.