Events Public Liability FAQs
Please see the links below for full details, including excesses and restrictions:
Event Insurance Policy Information Document (IPID) 📄 Event Insurance Policy Wording 📄
Frequently Asked Questions – Event Public Liability Insurance
Yes. Even for single-day events, public liability insurance is highly recommended—and often required—if members of the public are attending. It protects you against legal claims for injury or property damage.
It's not a legal requirement on its own, but many venues and local councils will require it before allowing your event to go ahead. If you hire staff or volunteers, Employers' Liability Insurance is legally required in the UK.
We cover hundreds of UK event types, including community fairs, markets, charity events, exhibitions, sports tournaments, and animal shows. You can get a quote online for both single-day and annual multi-event policies.
Public liability covers claims from members of the public. Employers' liability covers claims made by staff or volunteers if they are injured while working at your event. The latter is legally required if you employ anyone.
We offer £2 million and £5 million public liability cover options. Check with your venue or council as they often specify a minimum required limit.
Premiums start from £76 for £2 million public liability cover with up to 250 attendees. Your quote will depend on event size, type, location, and duration.
Yes. Once you pay, your certificate and full policy documents are emailed instantly. These can be shared with venues or licensing authorities as proof of cover.
Yes, we offer pro-rata refunds for unused days if your event is cancelled or no longer needs cover. Terms and conditions apply.
Yes, outdoor events are covered. Just be sure to accurately describe the setting and any associated risks—especially if temporary structures, animals, or weather exposure is involved.
Yes. While your organiser policy covers your event, individual stallholders or entertainers may still need their own public liability cover. This is often required by the venue or council.
Yes, inflatables such as bouncy castles can be used at your event, but only if they are provided and supervised by a professional operator who holds their own valid Public Liability Insurance. You may be asked to provide evidence of this cover before your event can proceed.
Our public liability policy covers third-party property damage, including hired venues. It does not cover loss or damage to your own equipment—you may need to request specific equipment cover.
Yes. We offer annual multi-event insurance for organisers who run regular events throughout the year. This provides flexible and cost-effective protection.
Standard public liability insurance does not include cancellation cover. If you need cancellation protection for weather, illness, or supplier failure, contact us to discuss optional add-ons.
Yes. If your event details (such as date, location, or setup) change, get in touch with us. We'll do our best to update your cover accordingly.