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What does our Fireworks & Bonfire Night Insurance cover?

Our Fireworks & Bonfire Night Insurance falls under our Event Insurance policy, and is designed to offer comprehensive protection to professional individuals and organisations who are organising a firework and/or bonfire night event. 

Our policy includes Public Liability Insurance as standard, with additional cover options for event organisers, such as Employers’ Liability, Event Cancellation Cover and Equipment Protection 

Our policy is underwritten by Beazley and can be taken out to cover you during a one-off, single, or multi-day event. To get a quote, complete our short online quote form below. 

If you have any questions about our Event Organiser Insurance or wish to get a quote over the phone, give our UK based sales team a call on 01494 887909, available Mon – Fri, 9am – 5:30pm.

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About Protectivity

Over 25 Years Experience

We are one of the UK’s leading online events insurance providers and have been providing cover to individuals and businesses for over 25 years. Give yourself the peace of mind of knowing your event is in safe hands, with insurance built around your exact needs.

Excellent Claims Handling

From an injured visitor to a damaged speaker, we know things can go wrong at an event. We’re determined to make the claims process as hassle-free and efficient as is possible.

Leisure Industry Specialists

We understand your time is important and endeavour to provide you with a quote within 24 hours.

Underwritten by Experts

Our Fireworks and Bonfire Nights Insurance policy is underwritten by Beazley. They are experts in customised insurance that involves complex and challenging risks.

What does our insurance for events cover?

We can provide cover for organisers and attendees of one-off events and multiple events throughout the year. Depending on the type of cover needed, our Event Insurance policies can include these four areas of protection.

Public Liability

We provide up to £10 million in Public Liability Insurance, which will meet the needs of your venue or local authority. This will protect you should a compensation claim arise because a member of the public, a performer, speaker or other third party suffers an injury or property damage at your event. 

Employers' Liability

If you employ any staff at your event, including unpaid volunteers, helpers and stewards it is a legal responsibility for you to have Employers’ Liability. This covers you should a staff member suffer an injury and blame your event.

Equipment Cover

From tables at fetes, to sound equipment at concerts and festivals, our policy can cover your specialist items. The policy will cover your equipment against loss, damage and theft.

Event Cancellation

If you are hosting an event we can provide protection should you be forced to cancel or rearrange your event due to Adverse Weather only. You can get your event cancellation insurance quote below.

I was impressed how fast and efficiently my claim was handled. It was clear how to make my claim and the process was straightforward. Overall, very pleased.

Fantastic claims handling

No matter how well your event is organised, we know problems can occur. That’s why with our insurance for event organisers we make it easy for you if you have to make a claim.

Our dedicated team of handlers aim to deal with your situation as quickly and sympathetically as possible. It’s no wonder the vast majority of customers who have made a claim are pleased with how it was handled.

Frequently Asked Questions

Q. Why do you need event organiser insurance?

A. The main reason to get event organiser insurance is to give yourself the cover of public liability insurance, which will protect you against costs that could arise from being sued by a member of the public for an injury to them, or damage to their property, that has occurred at your event. The event organiser insurance can also include event cancellation protection and equipment cover as optional extras.

Q. What’s typically covered by public liability insurance for event organisers?

A. Public liability insurance will provide you with cover for legal expenses that may be incurred in the event a member of the public pursues damages against you for an injury they have sustained, or damage to their property that has occurred, due to your event.

Q. Does public liability insurance cover my business for the actions of my employees?

A. 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.

Q. Does the policy cover stallholders at my event?

A. No, any independent stallholders, exhibitor or supplier who engages with your event should have their own Public Liability in place. This policy is designed to protect you as the event organiser, and not those who exhibit or sell at your event.

If you have your own stall at events, then take a look at our Stallholder Insurance policy.

Q. Can you protect against adverse weather?

A. Yes, should you have to cancel, abandon, or postpone your event due to adverse weather conditions, your costs will be covered.

Q. Can I supply and set off the fireworks myself?

A. No, the insurance underwriters will require your fireworks display to be provided and managed by a third party pyrotechnics company, with their own public liability insurance

Tips and advice on organising the perfect event

Organising events, big or small, can be hard work. This handy event planning guide will ensure you’re on the right track, but why don’t you take a look at some of our great blogs on organising and running your event.

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Further information on our policy

If you have any other questions, 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.