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AUTUMN EVENTS - FIREWORKS - HALLOWEEN |
STEP2. REGULATIONS |
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Insurance cover
Insurance cover for events can be a complex subject with different products
for different types of events, but generally speaking any event, whatever type,
whether large or small, indoors or outdoors and where you are inviting the
general public you must provide public liability insurance with a minimum
£2million of cover. |
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| Back to basics, what is public liability
insurance cover and why do you need to provide it? Put simply, it is an
insurance to protect the event organiser should a claim or legal action be made
as a result of an accident or incident affecting any of the event employees,
volunteers, associated helpers, performers or any member of the general public
attending the event. |
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In addition to the standard event public liability insurance offered by
insurance companies many other types of specialist cover can also be provided to
cover individual specific requirements, these can include:
Cancellation and abandonment of your event including adverse weather conditions.
None appearance of key persons or services. Prize cover indemnity. Loss or
damage to property, owned or hired in, plus money and door receipts cover. We
have a range of specialist event insurers under each directory area who will be
able to offer more specialist insurance advice. |
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| Although you are required to provide liability
insurance at your event you are not required to provide liability insurance
cover for any contractors, event businesses or services you may employ for your
event. |
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Read more |
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KEY POINTS |
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Important step
Regulations are in place to protect the general public from all
types of risks and hazards.
Find out more |
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Risk assessment
All events large or small, indoors or outside must be risk assessed.
Find out more |
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Food safety
Providing catering? How to comply with current hygiene regulations.
Find out
more |
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Insurance cover
All events, whether large or small will require public liability insurance.
Find out more |
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Local councils
Local councils provide a wide variety of useful information, advice and
services.
Find out more |
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RELATED INSURANCE ARTICLES |
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By Mark Trevor - Managing Director of Insurex
Expo-Sure |
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Stunning climax to your event
As we all know fireworks can make a stunning climax to a function adding
that extra wow factor. Whilst the spectator can sit back, relax and
enjoy the show, for an event organiser there are demands and challenges
which come with producing a successful and most importantly safe
display. With 991 people injured by fireworks in the UK during the 2005
Bonfire Night season* there are obvious dangers associated with
fireworks but by following the right advice and carrying out a full risk
management assessment, an event organiser can be certain they are doing
everything in their power to minimise the risk of injury at their event. |
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Correct insurance
An important part of creating a successful firework display is having
the correct insurance to protect against any financial and legal
implications if the worst should happen. For example if a member of the
audience was injured by a stray firework public liability insurance will
help an organisation face the financial and legal consequences with
confidence. |
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Recommendations and guidelines
Organisers must also make sure they, or the company/individual they have
hired to set up a firework display for their event, adhere to the
guidelines and recommendations detailed in the Department for Business
Innovation & Skills leaflet
"Safe use of fireworks" - relating to fireworks and bonfire
events.² By following these guidelines event organisers will be covered
by liability insurance if an incident were to happen. |
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Read more |
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