The Ultimate Guide to Public Liability Insurance for Events
Do you know about public liability insurance for events? Find out why you need this type of cover for your event.
November 7, 2022
Keep the party protected with party insurance.
Birthday party, bachelor party, hen party, street party, garden party, barbeque party, dinner party, surprise party, theme party, costume party, halloween party, diwali party; or an anniversary?! – Protect your shindigs with comprehensive party insurance from Insure Our Event.
The last thing organisers of a celebration or party want is to worry about the impact of a claim on their back pocket. Slips, trips and falls are almost to be expected at any good party, and it’s important to remain protected. Party expenses can go into their thousands, from the venue to catering, entertainment and all the extras, and legal fees from a claim should not be added to the pile.
Insure Our Event are here to help party organisers put the right protection in place. We will assess your requirement and create a bespoke policy tailored to your event. You can gain an indication of the cost by filling out our quote form.
Public Liability Insurance for Birthday Parties and Celebrations
Some types of parties require public liability insurance by law; it is highly recommending all party organisers arrange public indemnity cover to protect their finances. If someone were to fall and unable to work, they are entitled to compensation. Cover the costs of damages and legal fees with the correct insurance policy.
The risks of running a party also include staff members and hired equipment. Employers’ liability insurance will cover you if a member of staff or volunteer falls ill, and Event equipment cover will protect the expense of accidental damage, loss or theft of equipment for which you are responsible. Many parties have hired equipment which are liable to be damaged, this could land you with a hefty fine if you are not protected.
Insure Our Event are experts in party insurance, with 20 years of experience in the sector. We have an in-house claims team who will provide information, checklists and guidance were the worst to happen. We treat every case individually, so by insuring with Insure Our Event, you can be sure you are getting the best of the best.
Birthday Party Insurance – Now available from £25*
What does party insurance cover?:
- Public liability cover for party organisers, covering slips, trips, falls and damages.
- Mandatory Employers’ liability insurance, covering employees or volunteers.
- The cost of fixing or replacing damaged or stolen equipment which has been hired and you are legally responsible for.
- Cover of expenses if your party is cancelled or postponed due to unforeseen circumstances such as adverse weather conditions.
- If the party is abandoned, cover the costs of hiring entertainment and equipment as well as venue costs, deposits and catering costs.
What does party insurance not cover?:
- If individuals don’t show up, e.g. guests or the entertainment
- If the suppliers fail
- Incidents or failures as a result of COVID-19
- Any thing already insured under third party policy agreement
Still unsure? Get a quote and find out...
Take 5 minutes to fill out our quick and easy online form to get a preliminary quote for your event. You won’t find a better price anywhere else; we’re sure you’ll be convinced.
Effective risk management is crucial to improving safety. It also significantly reduces the chances of your event needing to pay vast amounts of money in legal costs and damages. Insure Our Event has created a “Spot The Risk” test, demonstrating the risks involved in running an event.
Public liability insurance is not required by law for a private party, but for parties with members of the public such as street or garden parties, insurance is mandatory. However, we highly recommend arranging insurance which protects you from losing out financially in the event of a claim. Insure Our Event’s public liability insurance is ideal for all types of party.
The only way to cover your back pocket when organising a party is to take out insurance. Legal fees due to claims from staff or the public are expensive, and the costs of replacing stolen hired equipment are exorbitant. To keep your finances protected from any eventuality, Insure Our Event’s flexible insurance policies will cater to your party’s requirements.
Public liability insurance is required by law for a street party. This is because almost all events which interact the public have a mandatory obligation to cover for public liability. Organisers must be covered in case of an accident or damages which would result in compensation. Public liability for a street party can be purchased with Insure Our Event. Contact us for a quote and more information.
No, there is no available cover for non-appearance of individuals. Insure Our Event’s party insurance is able to cover for liability, accident and injury, damages, theft and adverse weather causing a cancellation or postponement of the event.
Party Insurance options to consider…
Event Cancellation Insurance, Public Liability Insurance
You could also include…
Employers’ Liability, Event Equipment Insurance
*£25 premium is based on a party with up to 50 attendees and public liability cover of £1 million and excludes Employers Liability, Property, Money & Cancellation cover. Prices will vary dependent on event size and cover required. Complete our instant quote form for a tailored quote for your event.
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Talk to us
Insure Our Event is a specialist event insurance broker. We work with insurance companies to get you the best possible cover at the best price. Just let us know a few details about your event and we’ll do the rest.