Public liability insurance for events

Event public liability insurance – why is it important?

Accidents can happen when running events, from trade shows to parties, so having the right cover keeps you, your staff, and your guest list protected. Fortunately, this doesn’t have to put a stop to your business activities. We offer tailored cover to protect you against the cost of a claim if the worst should happen.

• event liability insurance, including public and employee risks
• public and product liability between £1 million and £10 million
• peace of mind, letting you focus on your business, not the what-ifs

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What does event liability insurance cover?

Build a policy that covers the unique needs of your business. Most businesses usually consider public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. From there, tailor your policy by adding covers that suit your business best.

How much does event liability insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

How do insurance claims work for events based businesses?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

Event public liability insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

• Can I add cover for a different trade or profession mid-way through my policy?

  Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

  If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

• Can I buy business insurance if I’ve had any CCJs or IVAs?

  Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

• What’s the difference between paying by Direct Debit and paying in one lump sum?

  You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

  If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

• Does public liability insurance cover my business for the actions of my employees?

  This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

  If you employ people, you’re required by law to have employers’ liability insurance.

  There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

• Do I need cover for other types of work?

  Make sure you’re covered for the services you provide:

  • Business insurance
  • Public liability insurance
  • Employers' liability insurance
  • Commercial insurance
  • Product liability insurance
  • Personal accident insurance
  • Business legal insurance
  • View all business insurance covers

  The types of businesses we insure:

  • Limited company insurance
  • Self-employed insurance
  • Freelance insurance
  • Consultant insurance
  • Contractors insurance
  • Sole trader insurance