Category: Events

11:39:22 GMT • 14 January 2025

5 Ways to Measure the Success of your Event

28 April 2022

•

4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

How do you know if an event you worked so hard on was a well-attended, successful event? Here are five fool proof ways to monitor how well your event went. Some of these things should be built ahead of time, so do ensure feedback and tracking strategies are a component of your event planning.

About Us

Organising and running an event can be challenging throughout the whole process. For example, the unexpected such as adverse weather or damage to or loss of key equipment may scupper the occasion.

At Protectivity, our Event Insurance gives you the peace of mind that your occasion is covered against a wide range of scenarios, leaving you free to focus on running a successful event.

1. Track your social media

One of the easiest ways to monitor reach for an event is to use social media. With multiple platforms available, there could be a wide range of different sources to monitor. One way to gauge interest is to use an event hashtag – so #event2022 or something unique – and use various platform searches to see how many times and who has used it over the course of an event.

TIP: Give it at least a week to 10 days after the event as attendees might still be talking about it.

You could decide to focus on the results from one social media platform such as Facebook or Twitter. Or use Instagram if it is a public event, or LinkedIn if it is a business occasion.

Once you have picked your chosen platform, you can look at ways to capture measurement.

2. Profit or loss – the finances

One way to prove if it was a successful event or not, is to look at the finances. Now while this might not be a main goal in and of itself, the finances can be a good indicator if an event was successfully run.

After you have deducted all the costs from the sales amount, have you made the profit you expected?

3. Sales numbers

Another financial way to see if the event was a success is to work out how many sales the event generated.

You may have had great attendance numbers but not have made as many sales as expected. Identifying the reason why can help you with future events.

Making sure you are tracking enquiries and sales can be the best indicator of whether to run an event again, and whether there need to be changes made going forward.

4. Surveys

Following up with attendees can be a great way to get feedback on whether people thought yours was a successful event. This can be great for testimonials and to gauge event sentiment.

This can be done in two ways.

A powerful idea is to run exit surveys at the event and even ask for video testimonials. Getting attendees’ reactions while they are still at or just after they have been to something they have really enjoyed will help with promoting future events.

Secondly, if you have the data, you can email all the attendees afterwards and ask them to complete a survey. Easy surveys can be used with a service such as SurveyMonkey or even Google Forms. This might get you more quantitative data that is easier to analyse.

5. Sponsors’ feedback

Finally, if your event has other partners or sponsors involved, getting feedback from them on how they found it, if it was profitable for them and if they are likely to attend future events, can be a good indicator of a successful event.

Having happy sponsors makes future events easier to manage and fund.

Summary

As you can see there are several ways to monitor event success. Thinking about these things and having systems in place pre- and post-event means you could have several different success metrics to use in debriefing after the occasion. It will also help you make decisions about future events.

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11:39:03 GMT • 14 January 2025

What are the Most Popular Event Types?

17 March 2022

•

5 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

As a busy event organiser, there are a plethora of different event types you may be asked to organise from parties and weddings to large corporate events. Here we look at some of the most popular event types.

About Us

At Protectivity, we are specialists in the provision of what we believe is comprehensive event insurance. Our event insurance offers protection for you as an event planner. Our cover options are suited to event planners organising or taking part in a wide range of events, including parties, food festivals and sporting events. From Public Liability cover to insurance for event cancellation, we have your back.

1. Corporate Events

There are a wide variety of corporate events with the main ones being:

Conferences

Conferences are typically large-scale events, that may run for one, two or even three days. They feature several guest speakers, often in different areas or large rooms, which means attendees have multiple leaders and potential topics they can learn from and about. These events involve lots of planning, but this also means you can charge a lot of money, to cover costs such as food and the venue. Plus, travel and accommodation for the speakers.

Seminars

Seminars are similar to conferences but on a smaller scale size and cost-wise. Typically, they may only last a day or even half a day.

Exhibitions

Rather like conferences in terms of being a large-scale event (but without as much outlay to you as an event planner as exhibitors will organise their own transport etc.), exhibitions allow different product and service providers to showcase their businesses. They allow businesses to connect, carry out market research and even test out new products.

Other corporate event types could include workshops and classes, networking, awards and competitions, VIP experiences, speaker sessions, trade shows and expos.

2. Social Events

Reunions, parties and themed events can be as small or large as the customer requires. You may be asked to plan a Wedding which will involve everything from organising the venue, table decorations, seating etc. to bridal accommodation on the day and comfort and facilities for the guests.

For reunion events you could get together old photos of the people involved and display them on a screen. Organise an on-site photographer to make more memories for the attendees.

Other social events could involve ‘special’ parties such as an 18^th Birthday party or wedding anniversary celebration. These may or may not be themed.

For people who cannot attend, the event could also be virtual. (Which leads us on to the next point).

3. Virtual Events

Especially since the Covid pandemic, virtual events are extremely common. They are a cost-effective way for businesses to run conferences, webinars, classes and summits. They can even be interactive.

For an event planner, making sure you arrange the right technology needed for a virtual event will make sure there are no glitches.

4. Fundraising Events

Holding events to fundraise is a popular way to spread awareness of a cause as well as raise funds. Fundraising events could be small, online auction type events requiring very little spend or, on a much bigger scale, such as sponsored sporting events and gala dinners held at large venues.

5. Festivals

Festivals typically involve music or food and are large events usually run over a few days. They involve a lot of planning from finding the right venue to lining up the acts (if a music festival) to organising vendors.

As many festivals tend to be outdoors there can be weather challenges. With our event cancellation insurance, if you have to cancel or abandon an event due to adverse weather conditions, you have the peace of mind of financial protection.

6. Community Events

Bringing together communities could involve events such as street parties or swap shops. If you are planning a street event, organisers do need to be very aware of local council rules and regulations.

7. Hybrid Events

We have mentioned these before in other categories. Hybrid events are events such as festivals, parties and conferences that are held both at a venue and virtually.

8. Pop Up Events

Pop up events may sound very spontaneous, but they still need a lot of organising. These are typically a one-off event that lasts for a limited time. This gives business owners the chance to showcase their products or services and can include exercise classes, food collaborations and boutique shops.

Being an event organiser can involve organising many different event types, with each type needing its own special considerations. We hope this blog has given you some useful ideas.

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11:37:36 GMT • 14 January 2025

Let’s Talk About Event Budgeting!

3 March 2022

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4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

As an event planner, seasoned or beginner, there are a few crucial steps you need to consider while planning and delivering your event. Most of this revolves around your event budget and your ability to manage it. You need to be able to deliver an event, not just on time, but also on budget. In this article, we look at the elements that may impact whether you can stick to your event budget.

About us

At Protectivity we are a specialist in niche commercial, leisure, and lifestyle insurance. Our tailored products cover thousands of individuals and small to medium size businesses across the UK, including our popular Event Cancellation Insurance, to protect our customers against unforeseen events.

Event focus

The focus and goal of your event are really the most important thing you need to decide before you even consider a budget. Without knowing who your event is targeted at, how many people you want to attend, and the outcome you want, it is difficult to plan. Consider:

1. Is this a small intimate event such as a networking event or something larger like an Expo with multiple vendors and speakers?
2. Is it a free or paid-for event?
3. Is it a local or national event?
4. Is this an exposure event or a profit-making event?
5. How many people do you want to attend?
6. Is it a few hours, a single day or a multi-day event?
7. Do you already have people to invite, or do you need to market to attract attendees?
8. What kind of refreshments are you providing? Do you need to arrange caterers?
9. Will this event be run online as well as the physical event?
10. Have you already been given a budget that you need to work within?

As you can see, these are just a few questions you should be asking. Hiring a room in a hotel needs a very different budget and planning to, say, hiring Wembley stadium. You need to do this first before you ever consider building or opening your event budget template.

Event budget

Once you have decided on the focus for your event, you can start thinking about a budget. While a budget is not set in stone, it needs to be accurate enough that you can get an understanding of what it will cost and what you need for it to deliver.

At this point you can start getting ideas for venue quotes, the cost for speakers, marketing spend for the event, and other items you will need to run an event. Here are a few ideas for what you need to consider. Please note this is not an exhaustive list.

1. Venue
2. Speakers / Host costs
3. Staffing – Paid or Volunteer
4. Equipment – AV Equipment
5. Food and Beverages
6. Event Marketing
7. Furniture – for stands, stage chairs or breakout areas … and much more.

The spreadsheet – your event budget template

How you collate and manage all of this comes down to a spreadsheet. A spreadsheet or event budget template can help you list all the costs you need. It can allow you to add a budget for each line item you consider you will need to run the event.

Once you have your spreadsheet it will be easier to see what elements you have missed – or you can readily share it with colleagues to look at and add their own items if required. Remember your budgeted costs are not your actual costs, but good planning at this stage can mean these two numbers are close to each other!

You can add a suggested budget per item and that will give you an overall budget required. It would also be prudent to overestimate rather than underestimate those costs. Experienced event planners would also add a percentage of the overall budget as a contingency fund on top.

Summary

Budgeting for an event is something you need to work on before you start to book anything. The success of your event can come down to how well you manage and update your budget spreadsheet. Finally, having a detailed event plan with a well-defined budget that covers as much as possible – as well as a clear set of objectives of what you want from your event – will help you deliver an event that is a success and works for everyone involved.

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11:37:05 GMT • 14 January 2025

A Guide on Starting a Market Stall

2 March 2022

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5 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

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Have you noticed that some market stalls seem to attract crowds of eager customers while others languish with barely a visitor? What is the key difference between them? Let’s take a look.

About us

We know a thing or two about market stalls. That’s thanks to our expertise and experience in arranging insurance for events like food markets along with stallholder insurance. We also offer many tailored policies including cancellation insurance for events, all of which can be tailored to your needs as a small business or event organiser.

Your pitch – planning

Successful market stalls are usually not conjured up by chance. They are the product of careful and meticulous planning and research. If you want to attract the crowds and sell to them, you need to know just what the crowds want, what will convince them to buy, and how much they will be prepared to pay.

Planning will encompass your choice of a market stall – is it part of a permanent market, for example, or a one-off, one-day event? Perhaps it’s a weekly street market or even a farmers’ market – which might influence the kind of products you sell. A car-boot sale might be one of the easiest ways of testing out your initial stallholder skills.

Insurance

Some fairs will require you to hold Public Liability as standard practice and upon booking your stall, you may well be asked to provide a copy of your certificate.

Public Liability Insurance for stallholders protects you if a third party makes a claim against you for injury or damage for which you are found to be responsible for. Consider also getting insurance cover for your products and equipment in case they get damaged whilst at the Craft Fair.

Research

Just as you would for any other kind of enterprise, you must ensure there is demand for the type of products you are selling.

Ask yourself how that demand is also met by competing outlets – such as shops, supermarkets, online stores, and so on – so that you can develop a unique selling point for your stall.

For example, you might want to emphasise that your products are locally sourced, are fresher than your competitors, or are cheaper than customers will find elsewhere.

Setting Up

Once you’ve completed your planning and research, it’s time to buy the goods you’ll be selling.

Stock control will be an important measure of your success as a stallholder – too much in hand and you will have spent more than necessary. Not enough and you will be unable to meet your customers’ demands. Neither situation will help the bottom line of your business.

That is where a business plan will come into its own – showing you when you’re best placed to buy the products you want to sell and how much stock you might need to keep in hand and store. Those questions will also be influenced, of course, by the availability – or cost – of the necessary storage space.

Also, you may need to think seasonally – if you are planning on selling clothes, for example, then buy in clothes for the current and perhaps the next season.

By its very definition, a market stall is unlikely to require much at all in the way of equipment. Whatever is necessary – food-slicers, scales, or the like – you can probably start off with the very minimum and add further pieces of useful equipment as the business grows.

Now you’re in business

Once you’ve set up, running your market stall will require ongoing marketing – to attract new customers and reassure existing customers that you’re still in business offering even better deals than ever.

Your operations will also need to comply with whatever regulations, bylaws and legislation apply to your particular line of business.

Trading from market stalls, for instance, is regulated through licensing systems operated by the relevant local council. The size of your stall, its location, and when you can run it are all questions set out in your licence – and the details, of course, vary from one local authority to another. Whether your licence allows you to trade permanently or on a temporary or casual basis is also made clear in your licence.

Consult the official website to find out which local council grants market stall trader licences in the area in which you are interested.

Successful trading

Market stalls offer a unique and relatively easy introduction to trading. Follow some of the steps we’ve described, and you might be on your way to creating a successful grass-roots business.

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11:36:48 GMT • 14 January 2025

Top 5 Event Manager Blogs Every Organiser Should Follow

22 July 2021

•

4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

Being a professional event manager is not easy. Whether you are organising a party, a craft fair or an exhibition, there is often so much to do it can be somewhat overwhelming.

To help you keep up with the demands of the job, we have put together a list of our top 5 favourite event manager blogs. From tips and advice to design inspiration, these 5 event blogs will help you in so many different ways.

About us

Protectivity is a specialist in niche commercial, leisure, and lifestyle insurance. We cover thousands of individuals and small to medium size businesses across the UK, offering a range of tailored insurance products, such as Event Insurance, to protect our customers against unforeseen events.

1. Hippo – best for tips and advice

If you are looking for useful information and professional advice directly from experienced event managers, then following Hippo will provide you with exactly that. They are an independent, full-service agency specialising in complete event project management and venue finding.

You can not only find out what projects they have been recently working on, but they also offer some fantastic guidance, knowledge, and inspiration direct from the event management experts. You can get handy tips and ideas on event management, product launch, training, roadshows and team-building event management.

2. Eventbrite – best for planning & promotion

Eventbrite is a global self-service ticketing platform that allows you to manage your event digitally, so you can browse, create, share and promote local events.

Along with their event management services, they host a blog that’s packed with practical information for any event planner. By following them, you will get a little bit of everything – from event industry news and roundups to practical tips on “health and safety” to “how to manage your event budget”.

3. Event Industry News Magazine – best for event news

Want to keep up with what’s happening on the scene of the UK’s biggest events? This one is just for you.

You can also find the latest event management tips, event industry podcasts, event features and guest blogs from event industry professionals.

The widest variety of event news for medium to larger events in the UK such as festivals, concerts, and sporting events. It’s split into five main sections: Brand and Agency News, Conference and Meetings, Event Technology, Exhibitions and Trade Show, Festival and Outdoor News.

4. Event Manager Blog – best for trends & technology reviews

EventMB has been acknowledged as the go-to online resource for trends, technology, innovation and education for the event industry. Their content is varied, well-structured and very informative.

You can subscribe to their weekly podcast, where they “cover the latest innovations in event technology, case studies of successful events, new thinking in event design, and exciting destination updates”.

If you decide to follow their blog, you’ll be joining thousands of professionals from around the globe.

5. BizBash – best for inspiration

Bizbash is a really exciting hub that you cannot afford to miss, as it covers almost everything in the events world.

Being North America’s No.1 news source for event and meeting professionals, not everything is completely relevant for UK event organisers. However, it serves some fresh ideas for event managers and organisers that are still worth learning about.

In addition to the plethora of useful information, there is the GatherGeeks monthly podcasts which you can listen to for free without prior registration.

From organising small-scale family events to large conferences and festivals, any event can be improved by following the tips from these blogs.

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11:34:47 GMT • 14 January 2025

12 Event Planning Tools You Need to Try

21 August 2019

•

4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

There are plenty of event planning tools available to support you when planning your event from project management tools to managing lists of attendees. But what is the right tool to make you more efficient when organising an event?

About Us

We provide Event Insurance to thousands of UK event organisers and stallholders each year. Our policy provides a range of cover options, such as public liability for events. Get an instant quote for your event insurance policy via the link below.

1) Asana

Asana is a great tool for managing team projects and tasks. So, if you need to keep track of your team and the tasks that they are completing, this could be ideal for you. Its easy to navigate dashboard means that it is easy to see what has been completed and what tasks still need focus.

2) Basecamp

Basecamp enables you to create to do lists, assign tasks and set due dates. It is less visual than others and is based on a series of lists. Although you can try it for free, there is a charge for this tool, but the charge is based on unlimited users and usage.

3) Caterease

Caterease is a great tool for managing the catering for your event. The wizard-driven booking and drag and drop functionality makes building menus for your event really easy! Attendees can enter their own food selections enabling you to see quickly and easily what food and beverage requirements there are.

4) Cvent

The Cvent event planning tool allows you to automate many event management tasks from small events to larger conferences. It offers a complete event management solution including venue finding, building a website, managing registration, room blocking management and much more!

5) Eventbrite

Eventbrite is a great event planning and management tool to enable you to manage list of attendees, the registration process as well as getting the word out about your event. So, no more endless excel spreadsheets and inputting lots of data, this tool means that inputting and managing the data is a lot less time consuming!

6) Eventopedia

This is a great website which enables you to find, compare and review suppliers and venues. They have developed a network of trusted event suppliers to create an easy to use directory taking some of the pain out of searching for the perfect team for your event.

7) Hootsuite

This is a great tool for scheduling your social media posts. So,you can plan key posts in advance and then schedule them to be posted at a specific time and date, meaning key opportunities don’t get missed!

8) Mailchimp

Mailchimp is a fairly well known email marketing tool, but as it is a free tool (up to 2000 subscribers and 12,000 emails per month) then it makes it a very cost effective way of managing email distribution, invitations and newsletters.

9) Pinterest

Great for collating ideas and inspiration, Pinterest enables you to manage your ideas by pinning them to different boards. So, you could have a board for each event or even a board for different sections of your event. It’s free to sign up and is a handy way of managing those creative ideas!

10) Top Table Planner

11) Eventbrite

12) Bizzabo

Through this app you can create an event website, manage registration and lists of attendees, distribute tickets and even measure the success of your event.

You might only need a tool to search for venues, manage registration and invitations or you might be looking for a tool that will support you in managing the entire event from start to finish.

It is worth spending the time finding the event planning tools that is right for you, but it is worth knowing that some are free to use!

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09:39:25 GMT • 14 January 2025

Your Quick Guide to Event Licences

19 August 2019

•

4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

So, you are organising an event and the venue and entertainment are booked, the food and drink is ordered. But, have you thought about what event licences you might need?

This will all depend on the type of event that you are organising, if you are serving food and drink and where and when the event will be held. Check if the venue that you are using already has in place the licences that you need.

Do I need a licence to be able to serve alcohol?

If you are holding your event at a venue which doesn’t already hold a licence to serve alcohol, or you are serving drinks after 11pm then you will need a Temporary Event Notice for events attracting less than 500 people. For larger events you will need to apply for a Premises Licence.

What is a Temporary Event Notice?

If you’re organising a temporary event and want to serve or sell alcohol, provide late night refreshment, or put on regulated entertainment at a non-licensed premises then you will need to complete a temporary event notice (TEN).

For the purpose of a TEN, a temporary event is a relatively small-scale event attracting fewer than 500 people (including staff) and lasting no more than 168 hours.

Do I need a licence to be able to play music?

This will very much depend on the venue, the numbers attending and the time that you will be playing music. The venue that you are using might already have a licence that covers your event requirements but if it doesn’t then you should check what is required through your local authority.

Do I need a licence to put on a play or show?

If the performance takes place between 8am and 11pm and involves fewer than 500 people, then you don’t need a licence. You may need a licence in other circumstances. This licence can also cover alcohol requirements for your event.

Do I need a licence to screen a film?

You do need a licence to show a film or exhibit moving pictures. Exemptions are made for places of worship, church halls, Education and television broadcasts. You will need a ‘non theatrical’ film licence for events such as film clubs, one off events, screenings in common areas for residents or passengers.

Do I need a licence to put on a sporting event?

You do not need a licence for most indoor sporting events held between 8am and 11pm and with less than 1000 spectators. If an event is to be held after 11pm, involve a larger number of spectators or includes boxing or wrestling then you will need to apply for a licence.

So, identify what your event will involve, timings and number of attendees and this will help you to identify the event licences that you will need. Most small events of less than 500 people can be covered with a Temporary Event Notice.

If your event takes place after 11pm or attracts more than 500 people you will need a licence to cover your specific event requirements.

Get event insurance with Protectivity

Whatever type of event you’d like to run, there is always something that can go wrong that is completely unforeseen. Whether it’s damage to someone’s property, injury to a person attending, or event cancellation due to forces outside your control, it’s easy for even the best-planned event to be left substantially out of pocket.

Because of this, no event should run without good-quality insurance cover in place, and this is exactly where Protectivity can help. Our specialist event insurance policies include Public Liability insurance, insurance for event cancellation, protection for equipment, and Employer’s Liability if you’re hiring staff to work on your event. That way, even in the worst-case scenario, you can be sure your business and organisation is protected from a financial standpoint.

Take a look, to find out more about our flexible and affordable event insurance policies.

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09:38:35 GMT • 14 January 2025

Why a Multi-Event Insurance Policy Could be for You

14 August 2019

•

3 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

If you run several events or exhibitions during the year then switching to a multi events policy could save you time and money.

A multi-events policy is a single events insurance policy which will cover each of the events that you organise during the year. This means that instead of setting up a policy each time you set up an event or exhibition, you just take out one policy that will cover everything that you organise during the 12-month period.

Well the first benefit is that setting up one policy instead of several will save you time and is one less thing on your ‘to do’ list! The second benefit is that you are likely to see some cost savings as a policy covering several events is likely to be a lower total cost than all the separate policies you have taken out.

What does a multi events policy cover?

Our multi events policy offers the same cover and peace of mind as our One-off Event Insurance policy, it just gives you the flexibility to stretch this protection over all your events with a single policy. Cover includes:

– Public Liability – This will protect you if a third party makes a claim against you for injury or damage as a result of your actions. For example, if there is an accident where a visitor trips over some unsecured cables at your event and is injured, you could be sued, and Public Liability insurance would protect you and cover the costs as a result of the claim.

– Employers Liability – This will cover you if one of your employees makes a claim against you for injury. For example, if one of your catering staff at an event you have organised trips over a box which has not been put away properly and is injured as a result, there could be a claim made against you. With Employers’ Liability in place, you are covered for the costs of defending yourself and any subsequent settlement.

– Equipment Insurance – This offers protection if equipment used for an event is damaged. For example, if you are having a live musical performance at your event, it is likely that you will be using a large amount of amplification equipment, not to mention lighting and the instruments themselves. Having Equipment Cover on your policy will protect you if, for example, any of these items were damaged during the set-up or over the course of the event.

How do I know that a multi events policy will provide the cover I need for all my events?

Our multi-events policy has been specifically tailored to meet the needs of a busy events organiser and is designed to provide you with the cover that you need to cover several events, giving you the peace of mind that each of your events are protected.

You can select to cover up to 15 or 45 events in any given year and we will give you a quote to protect all of them.

Call one of our UK team on 01494 887909 to discuss your requirements or get an instant quote for your Event Insurance today.

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09:37:03 GMT • 14 January 2025

Do I Need Public Liability Insurance for a Private Party?

22 July 2019

•

4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

If you are planning a private party and are uncertain about whether you need public liability insurance, then this guide will help to answer your questions.

Here at Protectivity, we specialise in providing insurance for events. Whether you need party insurance or cover for an anniversary celebration, we’ll likely have a policy suitable for your needs.

What is Public Liability Insurance?

Public Liability insurance covers you if a third party makes a claim against you in the unfortunate situation that an individual is killed or injured at your party as a result of your actions. Potential legal costs and any compensation claims can run into the thousands so a Public Liability insurance policy will protect you.

What does Public Liability Insurance cover?

Public Liability Insurance will protect you in the event that a claim is made against you for accidental bodily injury or damage to third party equipment. Legal fees and potential compensation costs will all be covered by the policy.

Have a look around the venue and if they have recycling bins, water fountains or jugs instead of plastic bottles etc then they could be a good venue to partner with.

In what circumstances would I need Public Liability Insurance?

Businesses will require Public Liability insurance as standard to protect them if a member of the public or an employee has an accident. Businesses or individuals organising events are also likely to need Public Liability cover to protect them if a third party makes a claim following injury as a result of an accident during the event.

Why do I need Public Liability Insurance cover?

Public Liability Insurance covers a range of potential accidents that can occur.

Accidents as a result of disrepair

If there is an accident due to an item of broken furniture or someone trips over some carpet that hasn’t been secured properly then you could be liable for costs as a result of a claim made by a third party.

Hazards

Despite all your planning and risk assessment for your party, accidents cannot always be predicted and if there is an accident as a result of something being dropped or broken then a claim could be made against you. For example, if a party guest spills a drink over a speaker that you have hired and causes damage then this would be covered.

Slips and falls

A simple slip or fall might be unavoidable but any injury that is caused can result in a claim being made against you. So, if a party guest trips over a cable and sues you for the resulting injury then a Public Liability insurance policy would cover these costs for you.

Damage

This policy will also cover any costs as a result of an accident which may cause damage to equipment at the party venue. So, if a table that you have hired is damaged as the result of an accident then you will be covered for this.

Do I need Public Liability Insurance for a private party?

The chances are that you will have invested both time and money in putting on a party. An accident resulting in a claim against you from a third party could result in significant costs which you are unlikely to have planned for. By taking out a Public Liability insurance policy, you can have peace of mind that should a situation happen, you are protected from having to pay these costs.

Some venues even require you to have a policy. Often you will find that as part of the terms of hiring a hall, space or any other area, you will be required to have a certain level of Public Liability protection in place. It’s always best to check with your venue if you need a specific amount of coverage.

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