Frequently Asked Questions

Questions

  1. Do I need event insurance?
  2. What attendance level should I use?
  3. Do I need additional cover if I have an alcohol licence?
  4. Does the insurance cover me if the venue cancels my event or if bad weather forces the event to be cancelled?
  5. Is there a compulsory level of public liability cover?
  6. Do I need employers liability cover as well?
  7. How soon will I get proof of insurance?

Questions with Answers:

  1. Q: – Do I need event insurance?
    • A: – Yes, increasing willingness to seek civil action for recompense in respect of injuries, losses or damages makes event insurance a must.
  2. What attendance level should I use?
    • A: – The attendance is the total expected visitors over the whole event. 250 visitors per day for a 4 day event is 1000 total visitors.
  3. Do I need additional cover if I have an alcohol licence?
    • A: – If you have an alcohol license this is absolutely fine and will not incur any additional premium etc. We do exclude any damage or injury due to intoxication though.
  4. Does the insurance cover me if the venue cancels my event or if bad weather forces the event to be cancelled?
    • A: – Yes, if you have chosen the Cancellation/ Abandonment option
  5. Is there a compulsory level of public liability cover?
    • A: – No, but in many instances your local council will advise you of the preferred level of cover to seek.  If in doubt check with the local council or venue.
  6. Do I need employers liability cover as well?
    • A: – Yes, if you have any staff volunteers or helpers
  7. How soon will I get proof of insurance?
    • A: – Your policy will be emailed to you within minutes