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One-Off Event Insurance

Public Liability Premium:£ From:£

Provides cover for injury or damage to a member of the public or their property. Includes cover for damage to premises hired or rented for the purpose of your Event. Also includes legal defence costs.

Excess: £250.00

Cover Level

Total event visitors

This is the total number of attendees for the full duration of the event (should the event be taking place in an open area to the public, the number of visitors should be based on the estimated number of visitors to the event)

Excess

Up to £10 million protection
Covers legal defence costs and compensation

Event Type Prevents Cancellation Cover

Type Loading

Days

Suggested

Override

Product Ref

£-.-- incl. IPT

Employers' Liability Premium:£ From:£

This covers you if someone you employ is injured or falls ill as a result of their employment. We will pay for damages, expenses and claimants costs up to £10 million.

Excess : £0

Cover Required?

Yes No

Cover Level

Excess

£10 million protection for legal costs and compensation
Covers legal costs and expenses for breach of health and safety legislation

Suggested

Override

Product Ref

£-.-- incl. IPT

Cancellation, Abandonment & Postponement Premium:£ From:£

Cover for your Net Loss incurred as the direct and sole result of the unavoidable cancellation, abandonment or postponement of your entire event. Choose from covering yourself for loss of Gross Revenue or Expenses put down for your event. Adverse Weather included for all events as standard.

Cover Required?

Yes No

Cover Level

Excess

Has your event been held before?

Yes No

Basis of cover

Gross Revenue - is the value of the total sales made by you, for your event, before deduction of expenses and which you can provide proof, based on the same event held previous. Costs and Expenses - is the amount you pay in advance of your event, to hold the event. For example for hiring a suitable venue or suitable staff and supportive equipment and facilities, all of which is usually non refundable on cancellation of your event. Pre Contracted Gross Revenue - is money which is secured ahead of the event (such as advanced ticket sales, sponsorship and advertising) and does not include on-the-day income (such as bar takings or food sales) Please note Gross Revenue will only be available if you have told us that you have run this event before.

Basis of cover

Cover included should the event not only be cancelled but also abandoned, curtailed, interrupted, postponed or relocated.
Adverse weather included for all indoor and outdoor events, including those held inside temporary structures.

Suggested

Override

Product Ref

£-.-- incl. IPT

Cancellation, Abandonment & Postponement

Cancellation, abandonment and postponement is not available when the event is taking place within the next 14 days

Event Property/Equipment Premium:£ From:£

Provides you with cover against accidental damage, loss, or theft of equipment either owned by you, or for which you are legally liable whilst at, or in transit to the event. There is no cover for stock.

Excess : £250

Cover Level

Excess

Up to £50,000 protection
Also covers equipment left overnight at the event (subject to conditions)

Suggested

Override

Product Ref

£-.-- incl. IPT

Event Money Premium:£ From:£

Provides cover for the physical loss of money at the event venue or whilst in direct transit between the venue and a bank.

Cover Level

Excess

Up to £50,000 protection

Suggested

Override

Product Ref

£-.-- incl. IPT

Policy Fee Premium:£ From:£

Suggested

Override

Product Ref

£-.-- incl. IPT

About You

Contact Address:

Contact Postcode:

The Application form should be completed to the best of your knowledge and belief and all material facts should be disclosed (these are facts which are likely to influence the insurer’s acceptance or assessment of your application). If you are in any doubt about facts considered material you should disclose them.

Event Organiser: (The person, company, members club or committee organising the event)

Contact Name:

Where are you based?

Which region?

Email Address:

Telephone:

Public Liability Questions

Please confirm the following assumptions are correct:

The event either does not involve any "Dangerous Activities", or if it does, that these are provided, operated or supplied by fully insured bona-fide sub-contractors. Dangerous activities include, but are not limited to: Fireworks, bonfires, pyrotechnical devices, inflatable play equipment, fairground rides or mechanically propelled rides of any kind, ballooning, quad bikes, go-karts or motor sport of any kind, trampolines or gymnastic apparatus of any kind, circus acts or stunt acts, shooting ranges for guns or archery. Please note that bouncy castles, inflatable play equipment, slides, or rides (mechanical or otherwise) which are set up, operated and taken down by a bona-fide sub-contractor who has provided you with evidence of their current public liability insurance shall not be classed as dangerous activities.
Proof of insurance has been obtained from any bona-fide sub-contractors who provide, operate or supply any dangerous activities
Where there are more than 150 attendees at your event you have carried out and implemented a written and documented risk assessment in respect of the event
Where there are more than 150 attendees at your event you have a written health and safety policy that all contractors, exhibitors and suppliers are made aware of and required to comply with
Have no assets in the USA
All performers, exhibitors, traders, suppliers and contractors are required to have their own liability insurance in place.
You have checked contracts when booking venues to ensure we are not accepting responsibility for the negligence of the venue owners.

I confirm the above assumptions are correct

Yes No

Please provide details

Employers' Liability Questions

Please confirm the following assumptions are correct:

You have carried out and documented a risk assessment and health and safety plan with regards to safety at work for employees in respect of communicable diseases, including but not limited to Coronavirus (COVID-19)
You have steps in place to ensure that you comply with all applicable rules and guidelines for the safety at work of employees in connection with communicable diseases, including any current government rules and guidelines relating to Coronavirus (COVID-19)
No employees carry out work at height in excess of 5 metres
No employees carry out work at depth below 2 metres
No employees carry out work involving the application of heat, other than in preparation of food and drink

I confirm the above assumptions are correct

Yes No

Please provide details

Do you need to supply an Employer Reference Number?

Unless all of your employees are paid below the PAYE threshold, you will have been supplied an Employer Reference Number (ERN) by HMRC. Businesses are required to provide their ERN when taking out Employers’ Liability insurance.

Do you need to supply an ERN?

Employer Reference Number (ERN)

When offering Employers' Liability the government requires that insurers collect the insured's ERN. This is so that in future years, injured parties (or their legal representation) will be able to easily trace their Employers' Liability insurers.

The ERN is often referred to on tax forms as employer’s PAYE reference and is provided by HMRC to every business registered with them as an employer. It can be found on many official documents such as P11D, P45 and P60. If the business has more than one ERN, you must individually provide each number together with the name of the subsidiary company.

The ERN is found on many documents including P45, P60, P11/D and many payslips - see images below:

Example Employer Payment Book Showing ERN

ERNs will normally begin with three numbers (representing the tax office whose catchment area the employer falls into) followed by a forward slash and then a combination of letters and numbers. e.g. 083/WY12345.

Yes No

ERN Number

Why do you not need to supply an ERN?

Important

We will contact you for your ERN shortly after you purchase your policy. If you are unable to supply an ERN within 8 weeks of purchase we may cancel your Employers' Liability insurance

I confirm I have read and understood the above important information

Important

You must contact us with your ERN as soon as HMRC have issued it. If we do not hear from you within 8 weeks of purchase we may cancel your Employer's Liability Insurance

I confirm I have read and understood the above important information

Cancellation Cover Questions

Please confirm the following assumptions are correct:

Other than as a result of the Covid-19 pandemic, no event to be insured has ever been cancelled or had a loss, whether insured or not
All contractual arrangements necessary for the successful fulfilment of the event(s) will be in place and confirmed in writing in a timely and prudent manner, prior to the event start date
You are not aware of any fact, issue or circumstance, existing or threatened, which could cause a loss under this policy

I confirm the above assumptions are correct

Yes No

Please provide details

Please confirm the following assumptions are correct:

Event Location

The event can proceed in continuous moderate rainfall and wind speeds of up to 30mph/50kmh
The venue has no history of flooding or waterlogging
Any marquees, staging or temporary structures will be covered on 3 sides and above, with all electrics protected from the weather
The event has never been affected by adverse weather and/or ground conditions
The grounds at the event venue are currently in a suitable condition to enable the event (and setup thereof) to proceed as planned
The event venue has hard standing access roads in and around the venue, including entrances and exits
The venue is not within 100 metres of a river, lake, the sea or any other water course
You have made suitable contingency plans to ensure the event can continue as far as possible in circumstances of bad weather

I confirm the above assumptions are correct

Yes No

Please provide details

Endorsements

Adverse Weather Extension Endorsement
Bodily Injury to Participants Exclusion Endorsement
Fireworks Conditions Endorsement
Industrial Action Exclusion Endorsement
Inflatable Play Additional Condition
RAAC Exclusion Endorsement
Stage Covering Condition Endorsement
Sub-Contractors (Events)

One-Off Event Insurance

Quick Quote

Public Liability Premium:£ From:£

Employers' Liability Premium:£ From:£

Cancellation, Abandonment & Postponement Premium:£ From:£

Cancellation, Abandonment & Postponement

Event Property/Equipment Premium:£ From:£

Event Money Premium:£ From:£

Policy Fee Premium:£ From:£

About You

About Your Event

Public Liability Questions

Employers' Liability Questions

Employer Reference Number (ERN)

Important

Important

Cancellation Cover Questions

Endorsements

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