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Public Liability
insurance for events

What on earth is Public Liability insurance (PLI) for events?

If a member of the public (e.g. an event attendee) accidentally gets injured or dies, something they own gets damaged or lost, or they damage the venue you have hired, the event organiser might get blamed for negligence. This is when Public Liability insurance steps in, to protect you in the event of a claim. Due to the nature of events with members of the public attending, accidents are likely to happen – such as a guest tripping on a cable, or the venue you’ve hired becoming damaged. Public Liability can provide peace of mind for these types of risks.

You might wonder whether Public Liability insurance would be necessary for a private party. While the chances of one of your guests suing you after suffering an accident or illness at your event are slim, you can never be certain and it’s better to be safe than sorry!

Please note, Public Liability insurance for events is slightly different to your typical Public Liability insurance for businesses, as it is tailored to have event specific cover to protect you from event related circumstances.

What will the Public Liability insurance for events pay for?

Legal fees (lawyers are expensive!)

Compensation award by the courts (if you were negligent and the accident was therefore your fault)

How much Public Liability insurance should I be covered for?

Legal fees and compensation can really rack up! For Public Liability insurance for events, we offer £1m, £2m, £5m or £10m options, each of which represent the maximum amount your policy will pay for if an accident were to happen. You can purchase Public Liability insurance for a one off event, or for multiple events throughout the year.

As a steer, 40% of event organisers opt for £5m, and 30% opt for £10m.

You should also check with your venue, partners or clients as they may require you to hold a certain level of Public Liability insurance.

Is Public Liability insurance for events a legal requirement?

No. However, do check your licensing conditions and your venue hire agreement. Both of those may dictate that you need Public Liability insurance up to a certain amount for your event.

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FAQs

What is Public Liability insurance for events UK? What is Public Liability insurance for events UK?

Public liability insurance for events UK will cover your costs should a member of the public get injured, die, or have their personal belongings damaged and/or stolen at your event. These costs could include legal fees, or compensation awarded to the injured individual by the courts, which your Public Liability insurance for events will pay for.

Do I need Public Liability insurance for an event? Do I need Public Liability insurance for an event?

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.

Is Public Liability insurance for my event a legal requirement? Is Public Liability insurance for my event a legal requirement?

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 a 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.

Roughly how much will Public Liability insurance for my event cost? Roughly how much will Public Liability insurance for my event cost?

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.

What type of events do you offer event insurance for? What type of events do you offer event insurance for?

We offer event insurance for pretty much every type of event out there! There is a dropdown list of all our event ‘types’ within the quote form – 274 in total. If your event type is not in this list please contact us directly so we can put together a more personalised event insurance quote for you.

Can I buy one off event insurance? Can I buy one off event insurance?

Yes! One off event insurance is our bread and butter. You can purchase one off event insurance very easily by completing our online form (which takes roughly 3 minutes). You will have the option to purchase Public Liability insurance for your one off event, along with the Event Cancellation insurance, Property Damage insurance and events insurance Employers Liability. Our experts are on hand to help, if you would prefer to chat to them about your one off event insurance.

How far in advance do I need to buy event Public Liability insurance and event Employers Liability insurance? How far in advance do I need to buy event Public Liability insurance and event Employers Liability insurance?

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.

My venue already has Public Liability insurance, do I need my own Public Liability Insurance for my event? My venue already has Public Liability insurance, do I need my own Public Liability Insurance for my event?

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.