Toby Smith
FESTIVAL ORGANISERPublic Liability
Music Festival
£5m cover
GBP
Premium Paid
£100
Public Liability Insurance
Public Liability Insurance covers your legal liability to pay compensation, costs, and expenses for claims arising from your business activities that cause accidental damage to third party property or result in the death or injury of a third party.
Regulated by the FCA
Public Liability Insurance for peace of mind
Whether you’re looking for Public Liability Insurance to protect your business, a one off event, or multiple events throughout the year - we’ve got you covered. You may not be guilty or liable but you can still rack up fees protecting yourself against a claim.
Public Injury or Illness
If a member of the public is injured or sick during the course of your event.
Public Death
If a member of the public sadly dies at your event.
Property Damage
If a member of the public has their property lost or damaged, or they damage a hired venue, during the course of your business activities.
Legal Fees
Whether you are liable or not, legal fees can quickly rack up when protecting yourself against a claim. Lawyers are expensive!
Compensation
Any compensation that is awarded by the courts (if the accident was in any way your fault).
£1m
This represents the maximum amount available to you in the event of a claim.
£2m
This represents the maximum amount available to you in the event of a claim.
£5m
Our most popular option! This represents the maximum amount available to you in the event of a claim.
£10m
Our second most popular option! This represents the maximum amount available to you in the event of a claim.
Your FREE quote with zero obligation
What does Vento cover?
| Scenario | Insurable |
|---|---|
| An event attendee trips up on a tent peg and twists their ankle. |  |
| You hire a road worthy vehicle in connection with your event and crash into someone and injure them. |  |
| An event attendee has their bag stolen. | |
| You deliberately ignore a fight that breaks out between a few event attendees, where someone gets badly hurt. | |
| An event attendee gets burnt on a smoke machine. | |
| An old tree falls down and kills someone at your event. | |
| An event attendee gets sick from Asbestos which was later discovered at the venue. | |
| An event attendee suffers a serious injury whilst on the bouncy castle operated by you. | |
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Speak to an expertLet's answer some of your questions
Whilst Public Liability Insurance for events is not a legal requirement, many venues and local authorities will not grant you permission to run your event without it (check your venue hire agreement!). Even if you’re organising a private event, taking out Public Liability insurance for your event is vital to protect yourself against unexpected costs e.g. legal fees in the event that you are sued by a member of the public covered by the event Public Liability insurance policy.
Public Liability Insurance covers you if someone is injured at your event. Unfortunately, accidents can happen – and whilst you focus on making your event enjoyable, safe, and successful, Public Liability insurance for events will protect you if compensation or legal fees need to be paid.
You can purchase Public Liability insurance for a one off event, or for multiple events throughout the year.
Your venue’s Public Liability Insurance will cover injuries or losses as a result of their actions only. It does not cover such instances as a result of your acts, errors or omissions. For this reason, most venues will require hirers to have their own event Public Liability insurance.
As a side note, venues do not typically have Event Cancellation insurance that applies to a hirer’s event.
The cost of Public liability Insurance for your event starts at £50 per event, but this number is influenced by the answers you give when building your quote – such as the duration of your event and also the number of attendees.
Event Public Liability Insurance must begin before event attendees arrive at the site, but bear in mind it must also be in place if non-attendees are accessing your event location while you are there – for example, those helping with the set up, or the general public in a public park. It is sensible to arrange your event Public Liability insurance policy at least 3 months before your event.
You should purchase your event Employers’ Liability insurance before the point at which your staff start working on your event. If you have permanent staff, your policy should cover your business all year round.
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