Question 1

Can you cover my event outside of the UK?

Accepted Answer

We are only able to provide cover for events taking place within the United Kingdom.

Question 2

I am not a UK resident, can you still cover my event?

Accepted Answer

Our policy is designed to cover events organised by UK based individuals and organisations. Therefore, if you are not based in the UK, we are unable to offer cover.

Question 3

What level of Public Liability do I need for my event?

Accepted Answer

We cannot recommend which level of cover you need for your event, but if you are hiring a space from a Local Authority or another third party we advise you to check with them whether they require a minimum level of Public Liability.

Question 4

How close to my event should I purchase my insurance?

Accepted Answer

You should take out your One Off Event Insurance policy as early as you can. By purchasing your cover at the earliest opportunity, you are giving yourself the maximum protection against cancellation. If you require cancellation cover, you need to give at least 14 days notice to purchase this cover, you will be unable to buy cancellation cover within 14 days before the start of the event.

Question 5

Do I need to take out Employers’ Liability for volunteers?

Accepted Answer

If you have anyone working for you, whether they are paid or otherwise, you legally must take out Employers’ Liability. The only exception is if those staff are bona fide sub-contractors with their own Public Liability of at least £2 million.

Question 6

What constitutes ‘Adverse Weather’?

Accepted Answer

For your policy’s Cancellation cover to come into effect under the Adverse Weather clause we require either a health and safety official or appropriate emergency authority to certify that it is dangerous or reckless to hold the event. We may require you to provide photographic evidence and Met Office records in the event of a claim under this benefit.

Question 7

My event takes place next week, can you still cover it?

Accepted Answer

Yes we can offer cover for an event even in the week it is happening. Please note that for any events taking place within fourteen days, there will be no Cancellation Cover.

Question 8

Can you protect against non-appearance?

Accepted Answer

No, unfortunately our policy is unable to cover for non-appearance of a key person(s) that leads to the event having to be rescheduled or cancelled all together.

Question 9

Are there any activity types that you are not able to cover?

Accepted Answer

Yes, we have a list of ‘Hazardous Activities‘ that we are unable to cover on this policy. If there will be any third parties exhibiting or trading at your event who will be engaging in any of these events, they must have their own Public Liability insurance in place.

Question 10

What is included under ‘Event Equipment Cover’?

Accepted Answer

We can cover equipment you use for your event excluding motor vehicles, money, perishable goods and paintings, whilst they are in use at the event and in transit to and from the event only.

Question 11

What is the maximum length of time my event can last?

Accepted Answer

If you are the event organiser then we can provide cover for events lasting up to 30 days in duration. If you will be attending as a stallholder, we can provide protection for a single event that lasts up to 14 days.

Question 12

Will I need Employers’ Liability Insurance?

Accepted Answer

If you have any volunteers or paid staff at your event then you will need Employers’ Liability as a legal requirement. We would expect all sub-contractors to have their own insurance.

Question 13

Will One-Off Event Insurance cover me for hiring out a venue?

Accepted Answer

Yes, our One-Off Event Insurance is suitable if you have been asked to purchase public liability insurance by the owners of a venue or local authority. Public Liability considers claims for third party property damage, so the venue you have hired for your event, as long as it’s not your property, can be considered as third-party property.

Question 14

Can you provide Cancellation Cover on this policy?

Accepted Answer

Unfortunately, we are not able to offer Cancellation Cover on our Multi Event Insurance policy. If you are organising an event in which you need to take out protection against cancellation, take a look at our One Off Event Insurance policy.

Question 15

How many events in a year can be covered?

Accepted Answer

We can provide cover for up to 52 events in one calendar year, depending on the cover selected. You can choose how many events you need protection for during the quote process.

Question 16

What is the maximum length of time my events can last?

Accepted Answer

On our Multi Event Insurance policy, we can only cover events up to eight days in duration, including set-up and set-down.

Question 17

What is event insurance?

Accepted Answer

Event insurance protects event organisers from a range of mishaps in several specific areas. It normally includes general liability cover like Public Liability and Employers’ Liability and more specific protection against a range of potential complications that could negatively impact an event such as cancellation or equipment cover.

Question 18

Can you cover my event outside of the UK?

Accepted Answer

We are only able to provide cover for events taking place within the United Kingdom.

Question 19

Can you protect against non-appearance?

Accepted Answer

Yes, we can consider cover for non-appearance of key person(s). This may need to be considered by ourselves prior to giving a definitive answer and a quotation but you can opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension within this cover.

Question 20

Can you cover an event that has a fireworks display?

Accepted Answer

Yes, if you’re planning to have a firework display we can consider providing you cover for this event. There are two event types available, these are fireworks and bonfire displays provided by yourselves (the insured) and those displays provided by professional third party pyrotechnical companies, whom have their own insurance to provide fireworks and/or bonfire displays. Please make sure to apply for the correct one depending on which applies to your event.

Question 21

Can you protect against adverse weather?

Accepted Answer

Yes, we can consider cover for non-appearance of key person(s). This may need to be considered by ourselves prior to giving a definitive answer and a quotation but you can opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension within this cover.

Question 22

Does the policy cover those with stalls or exhibiting at my event?

Accepted Answer

Any independent stallholder, exhibitor or tradesman that works, sells or exhibits at your event should hold their own Public Liability Insurance. Our Multi Event Insurance policy is designed to cover you as the event organiser for your Liability. If you have your own stall at events, then take a look at our Stallholder Insurance policy.

Question 23

Does public liability insurance cover the actions of my employees?

Accepted Answer

If an employee accidentally caused an injury to or damaged the property of a member of the public attending your event, with the individual seeking to make a claim against your business as a result, then you would be covered by your public liability insurance included in this policy. However, public liability insurance does not cover you in the event of an employee making a claim against you, as this would fall under Employers’ Liability insurance, which is an optional extra.

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