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Planning and running an event of any size can be an intense process. It’s inevitable that problems will crop up. It’s important to get proper event insurance to make sure that you’re protected from the financial risk of running any kind of event.
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If you still have questions, read on to find out the key things to look at when taking out event insurance
Do I need event insurance?
When you organise an event, many people are involved. Despite the best precautions, there is always the risk that members of the public or employees might get hurt. Insurance can help protect you against this risk.
What does event insurance cover?
At the most basic level, event insurance often includes public liability insurance. This is a type of insurance that helps protect you from the costs if a member of the public gets hurt at your event.
Do I need employers’ liability insurance?
If you have staff for the event, including volunteers, it is important to look at employers’ liability insurance. This is similar to public liability insurance. It helps protect you if staff are injured while working at the event.
What additional insurance is there for events?
When you insure an event, you may want to consider other types of insurance too. For example, you may want equipment insurance. You could also get cancellation insurance, which helps cover the costs if your event is cancelled or postponed. There is also weather insurance which can be useful if your event is cancelled due to bad weather.
What determines the price of event insurance?
Each event and each policy is different. The size and location of the event will change the cost of insurance. Insurance companies will also look at the specific risks of your event, such as any hazardous activities.
What are hazardous activities?
Each insurer will consider different activities as hazardous. In general, the most hazardous activities usually involve high speeds or activities in or on water.
What kind of events can be insured?
UK insurers will offer a range of quotes for almost any kind of event. These can include small charity events, to large music festivals, and almost anything in between. The size of the event will likely affect your insurance premium but not the types of cover you can buy.
How soon should I get event insurance?
It’s usually a good idea to get event insurance as soon as possible. The insurance policy will help protect you from the day you buy it until the agreed-upon end date.