Who Needs Public Liability Insurance?

Do you need public liability insurance for your event?

Whilst public liability insurance isn’t a legal requirement for events, it is a wise idea for any event organiser to take out a public liability insurance policy, just in case an incident does occur at their event, resulting in a claim being made against them.

Public liability insurance is a good idea if you would be unable to afford the costs of compensating a member of the public if they were to accidentally injure themselves, or damage property, at your event. Although it is not a legal requirement, it is the safe choice. Whether it’s a street party, festival, one off event, Christmas market or sporting event, public liability can be put in place to protect you.

Accidents can occur in any scenario and event organisers with a public liability insurance policy in place can rest easy in the knowledge that their insurance policy has them covered.

How Much Public Liability Cover Do I Need?

The level of public liability insurance you take out is up to you, however you may be working with partners, clients or hosting at a venue that expects you to have a certain level of cover, so always check this first. You can cover yourself for public liability from £1 million to £10 million, or £20 million through specialist cover. When deciding your level of cover, you should consider the size of your event, the number of attendees and the nature of the event itself. Take a look at our policy premiums page to find a level of cover to suit you, or speak to one of our customer advisors to find out more.

When Is Public Liability Insurance Compulsory?

Event public liability insurance is not compulsory under UK law, so it is entirely up to the event organiser whether they take out a policy or not. It might, however, be compulsory with the venue, partners or clients you are working with, or local authorities where permission is required to hold a public event.