Hiscox can provide two types of legal liability insurance to cover your legal defence costs along with any financial settlement that is made following a claim against you:
- Public liability insurance which protects you against legal claims for accidental injury to attendees, and for damage to a venue or a delegate’s property. Many venues require organisers to hold public liability insurance to use their venue, and some specify the level of insurance in the venue contract
- Employers’ liability insurance covers the cost of claims made against you if an employee, volunteer, or temporary member of your staff is injured whilst working at your event. Employers’ liability cover is mandatory for most companies in the UK if you have staff.
Why do I need public liability?
Public liability insurance protects you against legal claims for accidental injury to attendees, and for damage to the venue or a delegate’s property. Many venues require organisers to hold public liability insurance to use their venue.
Am I covered by the public liability cover in my existing commercial insurance?
Many policies do not mention, or exclude public liability cover for events, especially if this is not your main business activity (e.g. you may be a publisher putting on a one-off award ceremony). We would recommend checking with your insurer/broker if you are not sure.
Am I covered by the venue’s own public liability?
Generally, the venue’s own public liability insurance is there to protect themselves from claims made against them, and not you as the organiser. It might be possible for a venue to name you in their cover, but as the venue and organiser might end up on opposing sides in a legal dispute, the venue contract tends to ask for the organiser to have their own separate policy.
What limit of public liability cover do I need?
Unfortunately we cannot advise you on this and would recommend that you speak with your venue as they may require a certain limit. However our standard limits are £1m, £2m and £5m. We can also offer £10m for certain events.
Do my contractors and service providers need their own public liability cover?
Yes they do. It is a condition of our public liability insurance that contractors and service providers have their own cover. We recommend you make this a requirement for participation in your event.
Do I need employers’ liability cover for temporary staff employed through an agency?
Generally speaking the agency should have this cover, so you will probably only need to arrange employers’ liability insurance for staff directly contracted with you. However, we recommend you check this with the employment agency.