Public liability insurance for events
Public liability insurance for events
Whether you’re hosting a one-off event for a few people, or your company is regularly involved in hosting big events, you’ll want to make sure you’re covered if something goes wrong.
Why might you need public liability insurance for events?
As an event organiser, it’s your responsibility to make sure your guests have a great time while keeping out of harm’s way. But despite your best efforts, something could always go wrong. If it does, and someone is injured or dies, or property is lost or destroyed, you could be held liable.
And, if you’re not insured, you may need to pay compensation and legal fees out of your own pocket.
That’s where public liability insurance for events comes in. No matter what type of event you’re hosting, no matter the size, and no matter if it’s a one-off or regular event, it could give you the right level of cover.
Who is events insurance for?
Public liability insurance for events is for any business responsible for organising an event.
It doesn’t matter the size of your event or whether you think it’s low risk – if you have guests in your care, you could be liable if something happens to them, or their property. What’s more, venues are unlikely to allow you to put on an event unless you have a public liability insurance certificate.
What does public liability insurance for events cover?
Public liability insurance for events covers your legal costs and any compensation you may have to pay, if a member of the public is injured or killed, or if someone’s property is lost or damaged at your event.
When you choose public liability insurance for events, make sure you read your policy documents very carefully. They will state what you can and can’t claim for, and also make clear the maximum sum you could be compensated.
If an incident does occur at your event, it will be up to you, the organiser, to gather evidence and complete a claim notification.
The type of events public liability insurance for events can cover include:
- sporting events
- live music and theatre events
- weddings or other ceremonies
- conferences and exhibitions
- company away days and off-site meetings
What might public liability insurance for events not cover?
Before taking out public liability insurance for events, you should read the wording of your policy documents very carefully as they will describe exactly what you will, and won’t, be covered for.
There are also likely to be certain situations in which your policy could be invalidated, and you won’t be able to make a claim. This could include if you:
- put your guests in harm’s way through negligence or wilfully dangerous acts
- tamper with equipment, or fail to properly test it
- ignore professional advice e.g. deciding to go ahead despite risky weather
- fail to do everything in your power to provide a suitable level of safety and security for your guests
Public liability insurance for events doesn’t cover the costs of event cancellation. You’ll need separate insurance for this.
How much does public liability insurance for events cost?
The cost of public liability insurance for events will depend on many factors, including the size and nature of your event, the number of people expected to attend, whether the event will be public or private, and the level of risk.
1. Certain types of event are considered higher risk than others. You’ll want your policy to cover any eventuality. The more that could go wrong, and the more damage it could do, the more you can expect to pay for your policy.
2. You may have to pay more depending on how many people are expected to attend your event, and whether they’ll be members of the public, or privately invited guests. If you let more people into the venue than originally agreed, this could invalidate your policy.
3. If your event is held regularly and you have a proven track record of hosting safe and secure events, you may be offered a lower price. But if you’ve made claims in the past, this may increase the amount you have to pay.
What other types of insurance do event organisers need?
The other type of basic insurance you’ll need is employers’ liability insurance. This is a legal requirement to cover you for compensation if an employee becomes ill or is injured as a result of working for you.