Specialist Christmas Lights Insurance

Protectivity’s Event Insurance policy is designed to protect those who are organising a city, town or village Christmas Light switch-on or display. The policy includes Public Liability as standard, this will protect you as the orgainser from third-party claims.

Together with liability cover we offer Equipment Cover and Employers’ Liability. It is important to consider these additional cover options, especially the latter if you have volunteers or paid staff.

It is likely that your Christmas light event will only happen once a year, therefore our One-Off Event Insurance policy will be best suited for your needs. If you do organise more than one event in a given year then we also provide an Annual Multi-Event policy. 

To get an instant quote and immediate protection, just simply complete our straightforward online quote form. Alternatively, feel free to give one of our UK based sales team a call on 01494 887909.

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Why choose Protectivity?

Policies to suit your needs

Whether it’s Christmas lights displays, Santa’s Grottoes, Christmas parties or Christmas fairs, you can build your policy to suit your needs. With a number of additional add-ons and benefits we ensure you pay only for the cover you need.

Excellent claims handing

It can be a worrying time when things go wrong at your Christmas Lights display. That’s why we are dedicated to making our claims handling process as smooth and sympathetic way as possible.

Specialists in our field

We’ve been providing insurance to the leisure industry for over 25 years, and led by our experienced account managers aim to make your insurance buying process as easy and straightforward as possible.

Underwritten by experts​

Every Event Insurance policy is underwritten by UK General who are experts in providing tailored insurance products to suit dozens of consumer and commercial enterprises.

What Insurance Do You Need For Your Christmas Lights Event?

When organising a Christmas Lights event it’s important to understand exactly what insurance cover you need. These are the four things you need to consider:

Public Liability

Whether it’s a member of the public tripping over some wiring or poorly placed lights causing fire, Public Liability offers vital protection. Should your display be blamed for injury, incident or property damage by an attendee or member of the public, your insurance will handle legal costs and any subsequent settlement.

Employers' Liability

To help with the smooth running of your event you may employ some members of staff such as electricians or technicians. In such a scenario you are required to take out Employers’ Liability with your policy. This will cover you if any of these workers were to be injured and hold your event responsible.

Event Equipment Cover

From the display lights to other party equipment, we can add protection on to your policy for the items you use to make your event run smoothly. This includes cover for items owned by you as well as hired or leased equipment.

Event Cancellation

We know not every event is the same. That’s why we aim to provide you with a policy that best fits your needs, giving you the cover you require to have, at a price that is hard to beat, obtained in the simplest and easiest fashion.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

Christmas events are normally a time to celebrate, but unfortunately things can go wrong.

That’s why we like to ensure that when you do have to make a claim, the process is as straightforward as possible. 

Thankfully, the Protectivity customers that have had to make a claim have been extremely pleased at the way that we have handled their troubling situation.

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Opening Hours 9am to 5:30pm, Monday to Friday

Further information on our policy

If you have any other questions regarding our Christmas Lights Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.