EVENT
INSURANCE COVER - LEGAL SERVICES
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Introduction
For an event organiser there
are many demands and challenges which come with producing a successful and most
importantly a safe event for the public to attend. Although risk assessment,
risk management and emergency planning play a very key role in achieving a safe
event by reducing possible risks, unforeseen accidents and incidents do
occasionally happen. So it is an important legal requirement to obtain the
correct insurance cover to help protect against any financial and legal
implications should the worst ever happen.
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Making the best use of
In
addition to event insurance many specialist insurance providers are now offering
specialist affordable insurance policies for weddings and larger private
functions. With the cost of organising and planning a wedding or private party
increasing year on year insurance cover for the major elements of your wedding
or function including gifts, rings, photographs, flowers and sometimes
cancellation cover has to be seriously considered. |
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How many do I need?
Event
insurance cover can be a daunting and sometimes bewildering task to arrange
especially with the policies offered from one company to another rarely being
identical. The main points of cover to compare are firstly cancellation cover,
property damage and legal liabilities including public and employers liability.
Additional cover options to look at may include adverse weather effects, non
appearance of key people, money and door receipts. |
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Booking suggestions
Before contacting insurance providers make a list of all the elements of your
event or function that you are looking to have covered by your insurance policy,
then when discussing with your provider make sure that those elements (if
insurable) are covered within the policy remembering to ask about under which
circumstances those elements would not be covered by the insurance policy.
Premiums are usually paid on cover take up. |
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Regulations, insurance and other useful notes
Specialist event insurance cover is often considered as an unavoidable expense
that many organisers could well do without particularly if year after year they
have had no cause to make a claim. However for those event organisers that have
experienced an incident which has resulted in legal action many would say that
the premium was a small price to pay compared to possible financial and legal
consequences if they had not been covered. |
