Public Liability Insurance For Events

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What is public liability insurance for events?

Whatever event you’re running – from a small business party or street party to a large awards ceremony, festival, conference or exhibition – public liability insurance is essential. Public liability insurance for events specifically covers you from claims made by the public arising from loss or injury at an event you have organised.

This can be as a result of a mistake you or your staff have made at the event, or an accident that has happened at the event. It can cover your business against costs relating to:

  • Injury
  • Death
  • Damage
  • Lost property

What does public liability insurance cover for events?

If your event equipment fails and causes damage to property or people at an event you are hosting, public liability cover for events can cover your business losses and pay out-of-pocket costs to replace the third party equipment. The cover can also cover a serious accident, even one that results in fatality.

Events can be very different and therefore there are different risks to think about. From fireworks displays outside to indoor activities, you will be able to tailor your policy to cover your specific type of event.

A public liability insurance policy which provides specific cover for events may include cover for:

  • Death or injury to any third parties at the event
  • Damage to third party property
  • Injury to any person taking part in a sport at your event