A few things worth checking beforehand though:
Getting the correct level of public liability cover can be difficult enough, buying insurance for £millions can seem very strange but consider why you are buying it. For example public and employers liability covers bodily injury; the money may be used to provide care which could be needed for years.
Remember insurance contacts are “good faith” contracts so you need to set them up truthfully. You may need to answer some qualifying questions before you buy your policy and it is very important that you answer them correctly. If you are unsure then call your chosen provider before you buy .
Looking after your helpers is a legal requirement, this even includes volunteers and they all need to be covered under employers’ liability.
In some cases event organisers or site owners may say that they want a specific level of public liability. Some, councils for example, may ask you for £5m. It is worth checking before you buy because amending policies afterwards may incur a charge.
If you are selling something you will also need to consider product liability. In some cases this is set to the same value as your public liability so please check the policy wording or call your broker or insurer.
There are other covers that may be available to cover stock and property, you may also want protection against cancellation. Many additional covers are available on the online quote and buy options but if you have thought of one that isn’t there just give us a call.
Online purchase means you should get all your documents almost instantly,. However, before you put them in your bag ready for your event, please take time to check they are correct. It is far better to change mistakes before the event organiser says they are wrong so you can’t set up your stall.
Once you have chosen your provider, selected the level of cover you need, answered all the questions and paid the premium the only thing left to do is focus on making the most of your event or stall.
Graham Sykes Limited is authorised and regulated by the Financial Conduct Authority. Our firms FCA number is 300310
If you are unhappy with our service, we have a complaints procedure, details of which are available on request. You may be able to refer a complaint to the Financial Ombudsman Service (FOS) if you are unhappy with how we have dealt with your complaint. The FOS website is www.financial-ombudsman.org.uk
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