What Does Public Liability Insurance for Events Cover?

What Does Public Liability Insurance Cover Me For?

Whenever you host an event with public attendance, there is a risk that something unexpected will happen, leaving you liable to pay legal costs and compensation.

If something happens to a member of the public at your event due to your negligence, you could be personally liable to pay compensation unless you have a public liability insurance policy in place.

With a public liability insurance policy, you will be covered against any of the following occurring to a member of the public at your event:

Accidental bodily injury

Accidental death

Accidental loss of property

Accidental damage to property

Public liability only covers you for any of these occurrences relating to members of the public, customers or clients attending your event. It does not cover you for liability relating to employees, which has a separate employer liability policy.

Who is Covered by Public Liability Insurance?

The policy holder and their business are covered against public liability when they take out a policy. Taking out a public liability insurance policy for your event means you will be covered for any injury, death, damage or loss of property relating to a member of the public. Therefore, anyone attending your event who experiences any of these scenarios due to your negligence can make a claim and the insurance policy will cover your costs.

What Kinds of Claims Does Public Liability Insurance for Events Cover?

Any claims made by the public at your event relating to accidental injury or property damage can be covered by public liability insurance. Some examples of what public liability insurance covers includes:

If a food vendor at a festival accidentally spills hot coffee on a customer that causes burns. Their public liability insurance can cover medical expenses and legal fees.

If a craft stall’s display stand collapses and damages a nearby exhibitor’s expensive artwork, public liability insurance covers the repair or replacement costs.

If a visitor at a trade show trips over exposed cables near a vendor’s booth and breaks their wrist, that vendor is protected from costly compensation claims.

You can reduce the chances of accidents occurring at your events by using a risk management checklist.

How Can Event Insurance Services Help You Protect Your Business?

At Event Insurance Services, we offer comprehensive public liability insurance for events. Don’t let accidents put your business at risk - get a public liability insurance quote today so you can run a successful event stress-free without worrying about legal costs, property damage or compensation claims. Don’t hesitate to contact us if you’d like more information.