Questions About Liability Insurance

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Employers liability insurance covers legal liability for injury or disease sustained by an employee in the course of their duties. Most businesses are obliged to have this cover by law- even if you only employ temporary staff.
Public liability insurance covers you against legal liability for accidental injury to other persons (other than employees) or damage to the property of other persons.
Professional indemnity insurance covers legal liability for financial loss sustained by another party (usually a customer) as the result of some error or omission or failure in the advice given, or other torts such as defamation, breach of copyright, or breach of confidentiality. It does not usually cover legal liability for bodily injury or damage to property (although for some professions, this can and needs to be insured - e.g. health and safety consultants).

It is the maximum sum that the underwriters will pay in respect any one occurrence. Products liability and professional indemnity limits are also usually the maximum payable during the period of insurance.

We do not recommend limits of indemnity, as potential liabilities are unquantifiable, although we can suggest the factors you should take into account when deciding. Venues frequently specify minimum levels of cover. It is best to purchase as high a level of cover as possible commensurate with the budget for the event.

Many event organisers do not realise that if they sell a prearranged package of services consisting of two or more out of "travel, accommodation, and other tourist services" , at an inclusive price and for an event lasting more than 24 hours, a Package ( as defined under the Package Travel Regulations) has been created, and the organiser may have become an "Organiser" as defined in the regulations - more often referred to as a tour operator. This creates additional potential liabilities and needs specialist insurance. We have a paper on this under the advice section of our web site - please read this for more information.

If you need professional indemnity insurance, then Event Assured Professional includes this. If you are an event organiser where part of your business falls under the Package Travel Regulations, then you should also consider Event Assured Professional, as it includes tour operator's liability insurance.
If you do not need tour operator's liability cover and organising your own event such as a conference, exhibition or special event, then you may decide that professional indemnity insurance is not necessary, If so, then Event Assured Liability provides the necessary employer's and public liability cover.

Our short period liability insurance is designed to meet the needs of individual events (or possible a number of events). Our annual policies are designed to cover the whole business for the year, since we recognise that potential liabilities don't start and finish with the event. If your business is diverse, we need to ensure that the business description is correct and complete and that all activities are disclosed to underwriters. This is why we ask a lot of questions - we like to get it right.

Yes.
You cannot rely on other peoples' liability insurance - it is not generally arranged for your benefit. The claimant may pursue a claim on the grounds that you owe a duty of care to your guests and visitors.
Even if the injury or damage is due to the negligence of one of your contractors, suppliers or the venue, as organiser you may well receive the claim in the first instance, and may find yourself in court. A legal liability insurance in your own name includes important cover for the legal costs involved in defending your position

Event Insurance