Organising or running an event, no matter how large or small, can be stressful, and it's all too easy to overlook some of the un-tangibles such as public liability insurance or event cancellation cover. At Insync, we can arrange a comprehensive Event Insurance policy for your charity or business event, with premiums starting as low as £50.00.
As event insurance specialists, we can provide instant quotations and cover for a full spectrum of activities from conferences and sporting events to charity or community-based jumble sales or carnivals. Don't be shy about your plans! Let us know what you've got lined up, however big or small, and we will let you know what cover you will need!
Specialist cover for all types of events including festivals, conferences, pop concerts & sporting events Charity event and Community event experts – no event is too small!
Your Event Insurance package will typically revolve around two core areas of cover:
1. Event Public Liability Insurance – which will protect you against claims from attendees or members of the public following injury or damage to their property as a result of the actions of you or a member of the event team. For example, a stall collapses at a fete and lands on an attendee's foot, causing a fracture.
2. Event Cancellation Insurance – Cancellations happen for a variety of unforeseen reasons including adverse weather conditions, non-attendance of key speakers or performers, and traffic incidents. Without adequate cancellation insurance cover, your business or charity will be left without financial protection.
In addition to Public Liability and Cancellation cover, our event insurance policies can be extended to include other risks such as physical items of property (loss or damage cover to stalls or equipment), money and personal accident cover.
Public Liability insurance is one of the most recommended forms of cover for any event planner arranging activities where members of the general public will be present. When it comes to events insurance, this is even more relevant as sometimes up to several thousand people will be gathered in one place. Whether it's a music festival, business convention or wedding fair, you will need appropriate cover for your worst-case scenario.
What's more, the venue owner will often ask for proof of public liability insurance with a requirement for a minimum level of indemnity before the event. Many private venues with ask for a minimum indemnity limit of £5million and, as the event organiser, it is your responsibility to ensure this is arranged in advance of the event.
If you do not have the correct cover, and an accident occurs, you could be held liable and have to pay compensation and legal fees out of your own pocket for a large claim should anyone decide to take legal action.
Public Liability can provide peace of mind for event organisers and venue owners that they will be protected from a significant financial loss in the event of an accident. Similarly, public liability ensures that, in the rare case of a disaster, the victims can be sufficiently compensated in ways your organisation could not afford.
Typically, public liability covers you in the event of third-party personal injury, i.e. slips, trips and falls. It also applies to property damage and even death.
While extensive risk management can prevent most significant incidents, you can't control everything, and compensation claims can catch you off guard.
General Tailored Insurance Packages
Specialist cover for all types of Events including festivals, conferences, pop concerts & sporting events
Charity event and Community event experts – no event is too small!
Public and Products Liability (event itself plus setting up and dismantling)
Employers Liability to protect your legal responsibilities for employees and volunteers
All Risks cover for Property or specified items (stalls, trailers, stages etc)
Cancellation & Abandonment Insurance (including adverse weather)
Public Liability Insurance Indemnity levels up to £5m+
Multiple Events Insurance
Personal Accident Insurance option
General Tailored Insurance Packages
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – just pay for the sections you need
Expert advice from Event Insurance specialists
Personal – Digital servicing AND your own dedicated insurance professional
Trusted Feefo 5 star rated insurance broker
If you are employing any staff at your event, you will also be required to purchase Employers Liability cover. Employers Liability cover is a legal requirement for people you directly hire or recruit to help who are not immediate family members.
This will protect you against claims from employees or volunteers who may suffer injury or illness as a result of working at the event for which they hold you responsible. For example – a volunteer trips over a loose power cable and breaks their arm.
Following a car accident, the motorway providing access to a conference venue is closed. The law firm's annual conference has to be abandoned, leading to travel, hotel and other expenses being incurred—total claim cost c£25k.
The amount of public liability cover you will need for a single event will depend on the perceived risk. For example, if you are hosting a music festival where you are serving alcohol to over a thousand people, there is a higher risk factor than a book fair run by a small business with less than one-hundred guests
Unfortunately, events which are homogeneous and apply to the whole population are generally excluded from Event Insurance policies. Insurer wordings include a communicable disease exclusion relating to quarantines being imposed, restriction of movement and/or travel which have been imposed by any national government, agency or international body.
Other insurance options you should consider in your insurance package include:
While the property owner should have their own Public Liability cover for incidents they are liable for, your Public Liability insurance will cover you for any accidental damage to their property that occurs during your event. For example, your staff spill a pot of glossy paint on the carpet, or your visitors damage the property in some way. Similarly, it will also cover you for incidents of bodily injury and accidental death that, without the adequate cover on your part, the claimant may chase the venue for financial compensation.
Firework displays or other events involving the use of pyrotechnics can be covered subject to appropriate safety measures and risk management processes being put in place.
In many cases a third-party firm will provide the fireworks display, in which case they will carry their own public liability insurance and your event cover will only provide contingency protection.
Depending on the size of the event, you should look to arrange cover as soon as possible after you have made financial commitments that would be lost in the event of cancellation.
For large-scale events, insurance cover is arranged months, or even years, ahead of the occasion. Meanwhile, we typically arrange cover for smaller charity or community events within three months of the event itself.
Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX
t. 01200 309516
© Insync Insurance Solutions Ltd 2021 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business