Understanding Public Liability Insurance For Events

Public Liability insurance for events is necessary in order to cover the costs associated with defending the event organiser or stallholder against claims arising from the injury or death of a member of the public, or for the damage or loss of their property. We provide four levels of Public Liability in this policy; £1 million, £2 million, £5 million and £10 million.

With Public Liability cover in place, your insurance policy will handle the legal costs associated with defending you and any subsequent payment that is deemed necessary.

No matter how well you plan your event as the organiser or stallholder, accidents can happen. This could be an attendee falling over loose cables, being taken ill after eating the food you provide or a window could be smashed whilst setting up your event.

If any of these things occurred and were blamed on the negligence of the event organiser, legal action could be brought against you.

To get your quote for Public Liability event insurance to cover your event, just click the button below where you’ll be given the option to add on Equipment Cover, Employers’ Liability and Cancellation protection to your One-Off Event Insurance policy.

Why do events need Public Liability insurance?

How much Public Liability cover do you need?

Once you have decided that you are going to seek out event Public Liability insurance protection it’s up to you to decide just how much cover you need.

Every event is different, and the level that you choose, whether it is £1 million or £10 million will depend on your circumstances. One thing that you do need to consider though is the venue that you hire may have their own rules as to the minimum level of cover they require you to have. Speak with your venue to see if there are any rules you need to follow.

If you are set to have a large number of attendees or particularly high risk activities, it may be worth considering a higher level of event Public Liability insurance. Ultimately, it is down to the event organiser to decide on the level of cover taken out, but going without any protection at all is very risky business.

Want to know more about public liability insurance for events, and organising an event in general? Then take a look at our handy guide.

You may also wish to learn about 10 different ways to promote your event or 12 event tools you need to try.


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Further information on our policy

If you have any other questions regarding our Event Public Liability 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.