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.

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.