What is it?

Being on the management committee for a large club is a big responsibility and arranging your insurance is one of those important tasks that need to be completed.

Because each club is different then making sure that you have the cover in place that you need is sometimes difficult to pin down. Like many clubs we have worked with there will be many views on what cover should be bought and what level is needed, this process can sometimes feel like opening a can of worms.

That is why here at Graham Sykes we take time and care to make sure the cover you need is tailor made to your club. We also know that every member of the management committee could have a personal liability if the right cover has not been arranged so we take time to explain to every committee member what cover might be considered and why. And that is just the start!

Things to consider

  • Start looking at your options as early as possible
  • Give yourself time to choose carefully
  • Provide as much information as possible
  • Look at cover first then premium
  • Make an informed choice

Frequently Asked Questions

Event Liability Insurance

Events, in any form, are associated to people in some way or the other. Contact with the public forms an integral part of an event. As a result of this, there is a very real possibility of some of them succumbing to injury or bodily harm due to an accident. So, the wise decision is to go for a public liability insurance cover right at the outset. Whether you are an organization, an individual or an association, we can provide you with indemnity cover for your public liability. This is also true for any kind of event that you might be organizing. So, be it a music concert, an exhibition, a street dance or a carnival, your legal liabilities will be covered.

During the event, the injury to a member of the public can be a real problem for you. Because we have a litigious society, a third party may take some legal action against you. In that case, we will cover your expenses that have to be paid to the claimant. Furthermore, we will also cover other relevant costs if there are court proceedings or the like. You don’t have to worry about financial burden being placed on your head without any fault of yours.

What is the Cost?

The cost of the insurance is a factor that should further add to the appeal of this policy. With the prices starting from as low as £30 (+ a small policy fee), you will be able to enjoy the benefits of event public liability insurance at a negligible cost. On top of that our team will ensure that this experience is not tasking on you.

Not only can you get a quote online you are also able to purchase the policy as well. Documents are issued as soon as cover is confirmed and can be in your inbox in seconds.

Public liability insurance is not currently a legal requirement, and you may find that your industry or local authorities have specified levels they require you to hold. It’s always worth checking with them if they have any specified levels before making a decision.

If there’s no set level, you should still consider the likely risk to 3rd parties in the work that you do.

Levels of Cover

You can choose to be covered for up to one of the following:

  • £1 million
  • £2 million
  • £5 million
  • £10 million

The cover provided is for your Legal Liability for injury, illness or disease to any member of the public and loss of or damage to their property occurring during the period of insurance and arising out of an insured Event.

Organising a small street party or fete

Street parties and fetes are a good way to get to know your neighbours and can bring people of all ages together. Find out how to plan a small party or fete and what information your council will need to know.

What counts as a small street party?

Small street parties take place in one or two streets and are for neighbours only. Larger public gatherings which are advertised and open to anyone, like carnivals, are best left to professional event planners.

Holding a small street party or fete

If you want to have a small street party or fete, you will need to tell your local council’s events or communities team. They will need to know about your event four to 12 weeks ahead of time. They will ask you some questions about your plans or send you a simple application form.

The council’s application form asks for information like:

  • the date and time of the party or event
  • whether or not you want to close a road or section of road – and its name
  • whether the road is part of a bus route or used by through traffic
  • a list of any properties or businesses affected

Your council will check that the views of everyone affected have been taken into account before getting back to you.

  • Find out how to hold a street party on your local council’s website
  • Get an application form from the Department for Communities and Local Government (DCLG) website

Closing a road for a party

If you want to close a road for your party you will need to get permission from your local council.

You will need to make sure that the emergency services can still get down the street if they need to.

If your party is on a bus route, the bus company will need to know about it in advance. Some councils contact emergency services and transport providers themselves, but others expect you to do it.

You can ask your council if you can borrow road closure signs or ask where you can hire them for the day. You can also make your own.

  • Find out how to hold a street party on your local council’s website

Organising a ‘street meet’

If you don’t want to close a road you can organise a ‘street meet’ instead. This is a gathering in a park, driveway or cul-de-sac. You can speak to your local council about your plans for a street meet.

Insurance for a small street party or fete

Most local councils don’t ask for insurance cover for a small residential street party. If your council thinks that insurance would be a good idea, costs start from as little as £50. The costs can be split between residents or you can ask for donations to cover them.

Risk plans for small events are not normally needed. If possible you should have someone who is trained in first aid there on the day.

  • Find out how to hold a street party on your local council’s website
  • First aid guide – NHS Choices

Is a licence needed for alcohol, food or music?

A licence is not normally needed for food, drinks or music at a street party.

A licence is not normally needed if you plan to provide alcohol for free at your event.

If you want to sell alcohol you will need a ‘temporary events notice’ which costs £21. You can get one from your local council.

You can serve and sell food up to 11.00 pm without a licence.

You don’t need a music licence, whether the music is live or prerecorded, as long as:

  • your street party is a private party for residents
  • the music has not been advertised in advance to attract people or to make money
  • Contact your local council

Gambling regulations – holding a tombola or raffle

If tombola or raffle tickets are sold on the day and the prizes are not worth more than £500 in total then gambling regulations do not apply. If tickets are sold in advance then speak to your council as you might have to register your raffle as a lottery.

  • Find your local council

Planning your street party or fete

Some tips for holding a successful party are:

  • plan early – get in touch with your local council four to 12 weeks in advance
  • keep it simple – don’t be too ambitious
  • involve everyone – send early invitations to everyone in the street, including businesses so that they know what’s going on

You will also need to plan:

  • seating – ask everyone to bring chairs and think about areas where children can sit
  • food – get everyone to bring food to share at set times so you can all eat together
  • decorations – you can buy, hire or make your own
  • games – think about games people of all ages will enjoy
  • music – remember it should not be too loud and turn it off well before 11.00 pm

After your street party

Let people know in advance what time the party will finish and try to stick to it. Have bin bags and recycling bags set aside. It is your street and your party so you will need to keep the local area clean and tidy up afterwards.

We exclude the operation of a fireworks display using fireworks not tested and labelled in accordance with categories 1, 2 & 3

The Categories are as follows :

  • Category 1 (“Indoor”) fireworks are for use in extremely restricted areas.
  • Category 2 (“Garden”) fireworks are for use by the public in their gardens. They must be safely viewable from 5 metres away, and must scatter no debris beyond a 3 metre range.
  • Category 3 (“Display”) fireworks are for use by the public in larger displays. They must be safely viewable from 25 metres away, and must scatter no debris beyond a 20 metre range.
  • Category 4 (“Professional”) fireworks are for sale only to fireworks professionals.

Events of all kinds are happening all around us. In fact, all of us turn into organizers in some capacity at times. You always try your best to make your event successful. You put in the time and effort to make sure it is free of snags and glitches. But, in the process you should not forget the importance and the well being of your employees. The people working in your employment may, in certain cases, be victims of some harm or injury. At this stage, our event employers liability insurance policy comes to your rescue.

Employers Liability Insurance with an Indemnity level of £10,000,000 – Protects your legal liability in respect of compensation, claimants costs and expenses for accidental bodily injury to anyone you employ at an event, including temporary staff, volunteers, helpers, whether paid or unpaid.

This policy is not specific to a certain section of the event employers. In fact, there are policy options available for events for all sizes. So, you can opt for this insurance cover irrespective of whether you are organizing a small event for close relatives or a large country fair.

In addition, you should be aware that there are optional forms of cover, such as property or cancellation insurance. Obviously the organizer must always weigh up the operating costs against the premiums required, but should a mishap or even a catastrophe occur, the costs of the claim could be devastating if adequate insurance has not been purchased.

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