One off events are special and thrilling; but if you are running one, you also have to be especially careful.
What is the likelihood of an accident happening at your event?
- 80,000 people require hospital treatment over the year for accidents at events (NHS).
- The typical bill for house party-related repairs is over £162 (Allianz).
- 8% of those aged 16-24 have had to make a trip to A&E during the winter season for an accident (National Accident Helpline).
- More than 1 in 40 people have suffered an electric shock due to badly wired decorative lights! (National Accident Helpline).
- Accident falls causing a trip to A&E are more likely than ever, up 16% for women and 21% for men (ONS data).
- 3.7 million people have admitted to spilling a drink on someone else (National Accident Helpline).
- 3.6 million have fallen at a work party (National Accident Helpline).
- There are 600,000 fire incidents attended to, up 0.6% each year. Of these there were, 271 fire related fatalities, up 0.9% each year (GOV.uk).
- There has been a critical increase in mass crowd incidents, these include stampedes and overcrowding. Both media attention and globalisationhave contributed to an increase in reported crowd crushes at large events (NIH).
Do I need insurance for my one off event?
A private party carries just as many risks as a festival or club event held for members of the public. A guest could trip and injure themselves, expensive equipment could be damaged, or the buffet could trigger a bout of food poisoning. It doesn’t really matter where the venue is – if you’re responsible for the party, then you’re responsible for the problems.
You should consider public liability insurance even if you’re hosting a private party at an external venue. Whilst your venue will have their own adequate insurance cover, so should you. If a guest damages the venue or accidentally hurts a member of staff, then as the organiser is be personally liable for costs incurred. Event insurance is necessary to cover the financial risks of hosting a party.
What insurance do I need for my one off event?
Public Liability Insurance for One Off Events
There are many situations where public liability insurance is needed:
- Slips and trips is the main one to look out for. You can’t always create a trip-free zone, but you can make sure you’re insured if someone does make a claim against you for falls and injury.
- Illness caused by alcohol or food you’re serving. If your sausage rolls don’t go down as well as you’d hoped, you won’t be left facing financial consequences if you have insurance cover.
- Injury or damage caused by your pets or vendors/contractors. We’re sure Rex is great with guests… but, just in case, make sure you’re covered.
- Damage either to an event venue or third-party property caused by yourself or a guest can land you with a hefty compensation claim if you don’t have the relevant cover.
Go to public liability insurance
Event Equipment Insurance for One Off Events
If you’re hiring equipment or using equipment, you’ll need insurance for that too:
- Our equipment insurance cover will ensure you won’t have to personally shell out if hired equipment is damaged on your watch.
- It will protect the costs of your equipment if it is lost stolen or damaged in any way.
- Also covers mobile telephones, jewellery, items of clothing, whether owned, borrowed or hired.
Go to event equipment insurance
Event Cancellation Insurance for One Off Events
Cancelling your party will be the last thing on your mind. But if you need to change your plans, event cancellation cover will make sure you get back irrecoverable costs. So if you’re snowed in and it’s unsafe for your guests to toboggan it down to your house, your insurance cover will pay out for non-refundable deposits on things such as caterers or speaker systems.
Our event cancellation cover covers:
- Adverse weather.
- Net financial losses due to cancellation, abandonment or postponement.
- Reasonable and necessary additional costs or charges paid by you.
Go to event cancellation insurance
If you’re hosting a party at home, then your buildings and contents cover should cover you for any accidental damage to your property or belongings. You just need to worry about the safety of your guests and any additional equipment.
Top tips to minimise risk at your one off event
1. Hire a room
There are many benefits to having an event at home: You get to celebrate in your own environment; you’re in complete control of the music, decoration, food and ambience. It’s often a much cheaper option, too. But hiring a room elsewhere means that if something does go wrong, your property won’t suffer the consequences. We recommend hiring a venue if you are to organise a special one off occasion.
2. Know your guest list
An “open house” is a great idea until it gets out of control. A friend of a friend brings a friend… and suddenly you’ve got dozens of guests you didn’t account for. A Project X event is much more common than you might think, and ends up costing organisers millions in damages. An increase in crowds means an increase in risk. Make sure you’re protected.
3. Set limits
Make sure your guests know which areas are out of bounds. If you’re not comfortable with guests going into your bedrooms, tell them. Your guests should respect your boundaries.
You should also set yourself a clear start and end time. You don’t want complaints about the noise, or a late-night party getting out of hand. Let your guests (and neighbours) know when the party’s going to end so everyone can plan around that.
4. Lock away your valuables
Jewellery, expensive technology, sentimental treasures… whatever you wouldn’t like to get broken, put away in a safe place. Keep a record of all your valuables and use this as reference once the event is over.
Arrange insurance from Insure Our Event
Plan accordingly for your one off event and Insure Our Event will ensure you have a great time.
If you have properly planned the day, and made sure to arrange insurance in advance, there’s very little that can go wrong.
