Organising an event requires a certain mindset, and often a pretty thick skin to go with it. Whether you are planning a one off community event, or work in professional event management, you have to be prepared to take a lot on your shoulders.
Ultimately, when it comes to the event going off smoothly, the buck stops with you, and that can take a lot of hard work.
On top of all that, you have to be prepared for the fact that, if something goes wrong, you could be the one to carry the blame. And that means you are at risk of being sued.
Event insurance exists to protect organisers exactly because of the liabilities they are exposed to. This takes various different forms, including providing financial cover if you end up losing money, for example if the weather causes a wash out, or the non-appearance of a star act means you have to refund tickets.
But events insurance is also intended to provide a layer of protection just in case legal action is brought against an organiser. The nature of this legal cover varies from policy to policy, but will usually cover legal expenses plus compensation costs for a maximum of anywhere between £1 million and £20 million.
Here are some of the most common reasons event organisers get sued, and why it is so important to have the appropriate cover.
If an accident happens at an event causing injury to a visitor, a performer or speaker, or to a member of staff, the organiser may find themselves liable to pay compensation. This will depend on whether or not the organiser, or anyone working at the event, is found to have breached health and safety protocols. In general, claims for injury will arise if one of the following is found to be the case:
So if a piece of equipment like a lighting rig or staging fell during an event and caused injury, the organiser could be liable on three counts – not anticipating the risk and planning accordingly, not managing the installation correctly, or not ensuring the contractors hired were correctly qualified.
In all of these cases, event public liability insurance provides cover against legal action.
This relates specifically to any hire equipment used at the event, or any property or equipment brought or used by exhibitors or performers. An event organiser may be liable for damage to equipment if negligence can be shown on more or less the same terms as with personal injury. So, for example, if an electrical fault damages a supplier’s equipment, and the fault stems from an incorrect installation carried out by an unqualified contractor, the event organiser may be liable.
Again, it does not necessarily matter exactly how any damage to the venue is caused, or who by. Liability rests on whether the organiser has carried out their responsibilities correctly – if caused by members of the audience, was there a proper assessment of the risk of a crowd behaving inappropriately? If there was a problem with equipment or with an installation, was it carried out correctly by people qualified to do the job?
This can be a complex area, and will depend on the nature of the contracts in place for the event. Examples might include:
For a quick, no obligation quote for our full range of event insurance services, contact Event Insurance Direct today.