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Public Liability Insurance

Public Liability Insurance for Events

What Is Public Liability Insurance UK?

In the UK, public liability insurance is a type of insurance policy that event holders can purchase in order to provide cover for the costs and expenses incurred as a result of a claim made against you due to your negligence. It protects the policy holder from unwanted and/or unaffordable costs and expenses relating to accidental bodily harm, damage/loss of property and even death.

Our public liability insurance policies are designed to be used in conjunction with any events you may be running or attending.

What Is Public Liability Insurance for Events?

Public liability insurance protects event organisers and businesses from financial losses if a third party (such as a guest, customer or vendor) injured or their property is damaged due to your activities. It covers costs and compensation claims, helping you avoid unexpected and costly out-of-pocket expenses.

In terms of events, public liability insurance covers the policy holder for accidental damage or loss of property, injury or death of a member of the public at the policy holder’s event.

How Does Public Liability Cover Work?

Event organisers can choose to include public liability insurance within their overall policy, so the first decision to be made is which event policy is most appropriate. The policy holder chooses the amount of public liability they want to be covered for, up to £10 million available online, or up to £20 million through one of our specialist advisors. They can purchase their preferred policy online and receive an instant quote. 

If an incident occurs at the policy holder’s event, they will be covered against for your legal liability to pay for damages incurred. The policy holder simply needs to complete a claim notification form and gather any evidence required for their claim.

Why Do I Need Public Liability Cover for Events?

Public liability insurance for events is essential because it protects you from financial risks if something goes wrong. Protecting against claims made by guests or vendors, public liability cover helps pay for legal fees and compensation costs. Also, many venues require event organisers to have insurance before allowing them to host an event on their premises. It’s important to remember that accidents can happen at any time, even with careful planning and with public liability insurance, you can focus on running your event with peace of mind, without worrying about unexpected costs.

How Much Does Public Liability Insurance for Events Cost?

The cost depends on the cover level, visitor number and event type. Our premiums start from £63 per event for up to 100 visitors or from £182 for multiple events. Take a look at our price guide or contact us for a quote.

From public liability insurance for charity events to public liability insurance for musicians, we can provide you with the cover you need. Our full range of event public liability policies can be found here. If you have any questions about our policies or need help deciding which is best for your event, feel free to call us on 01425 470360 or send an email to info@eventsinsurance.co.uk with any of your enquires.