Event Insurance

3 May 2022

5 Events That Require Specialist Insurance

Obtaining the right insurance for an event can be a challenge; it can be difficult to find a suitable insurance provider, and many providers don’t even cater to those organising niche, unique events. At David J Miller Insurance Brokers however, we pride ourselves on covering all types of events, no matter how common or unusual.

In this post, our team gives an overview of five types of events that can benefit from specialist insurance cover. Read on to learn more, and if you’d like to get an affordable quote – please contact us directly today via the details below.

Annual Event Insurance

If you are the organiser of multiple events throughout the year, then it’s worth taking out annual event insurance. This type of insurance will give you huge savings, as you’ll have a policy for several events as opposed to insuring every event one by one.

Whether your annual events include boxing shows or festivals, we can cover you with an in-house event liability scheme. This covers up to 15 or 45 events within a 12-month period; if you’d like to enquire, then please give us a call today.

Boxing Event Insurance

Boxing events are highly popular right now; every year, there are more and more boxing promotions and events taking place – from white-collar events to professional competitive bouts. If you are hosting a boxing event, then boxing event insurance is a must.

This form of insurance will provide public liability protection against any upheld claims of negligence on the organiser’s side for damages to or injury to third parties at the event. No matter the venue you’re in – whether it’s sports-specific or a town hall, you need protection so that you’re covered in the event of injuries being caused to the public, resulting from the event organiser’s negligence.

Festival Insurance

With summer fast approaching, now’s the ideal time to get your festival insurance. From music, beer and food festivals to arts, cultural and religious festivals, a wealth of festival events are covered by this type of insurance.

In essence, this insurance will protect you against any claims being made against you as a festival organiser. This might be a liability claim or cancellation of the event due to unforeseen circumstances. Whatever the size or scale of your festival, it’s always recommended to get festival insurance – unfortunately, accidents and injuries do occur at festivals.

Private Event Insurance

Private events – be it a private function, party, dinner, dance or social gathering – require private event insurance. This type of insurance will give you total peace of mind that you’re protected should an accident happen to your guests or members of the public. Even if your private event is niche or unusual, you can be covered by the team at David J Miller Insurance Brokers.

Sports Event Insurance

Sports event insurance is designed for covering organisers of both professional and amateur sports events. These range from triathlons, football tournaments, community sports days, golf days and boat racing events. Whether less than 100 visitors are attending, or the event is going to be nationally televised, this type of insurance will cover you.

It usually includes public liability insurance, but it can also extend to event cancellation insurance, key personnel non-appearance insurance cover, terrorism and property cover, and employers liability insurance.

Require Professional Event Insurance Services in the UK?

Here at David J Miller Insurance Brokers, we specialise in event insurance services, covering events of all sizes and scales. No matter if you are organising a village fete, business conference, or a festival, our insurance experts can arrange insurance that includes public liability, employers liability, equipment cover and cancellation insurance. Whatever your specific event insurance needs and requirements, we’re here to assist clients with a first-class service that is efficient, trustworthy and transparent.

Alongside our excellent service, we provide competitive quotes and affordable insurance policies. If you’d like to obtain a quick quote, then please call us today on 01254 355 159 or fill out the enquiry form on our website, and we’ll be in touch with you shortly. Visit the David J Miller Insurance Brokers website for details about all our special event insurance options.

26 April 2022

Getting Insurance For A Queen’s Platinum Jubilee Street Party

With the Queen’s Platinum Jubilee 2022 now fast approaching – beginning on the 2nd June and ending on the 5th June – if you’re planning to celebrate the Royal occasion with a street party, then it’s imperative that you obtain street event insurance. As the organiser of a Jubilee street party, you will want to be covered and protected against any potential claims for damages brought against you.

Here at David J Miller Insurance Brokers, we specialise in street event insurance, and we can provide you with first-class insurance protection for your celebration of Her Majesty’s 70 years of service. In this post, our team expands on how you can get street party insurance for your Platinum Jubilee celebrations.

Read on to find out more about how we can assist you, and if you’d like to get a competitive quote – please contact us today directly via the details at the bottom.

What Does Street Event Insurance Include?

Up and down the country, communities are currently planning their street parties to celebrate the Queen. One of the most important aspects of planning such an event is getting street event insurance. This type of insurance gives you events insurance protection in the event of an unfortunate, unforeseen incident or accident happening at your street party. As you’ll potentially have lots of people from the community attending your Royal street party, there could be a risk of serious injuries or damages occurring – unfortunately, it’s just a fact of street parties that accidents can happen.

It’s important that you get street party insurance specifically for the Jubilee party. You want to be protected if anything goes wrong; you’ll certainly regret not being protected. Moreover, lots of councils now require street party organisers to take out street party insurance as a mandatory requirement before the event starts. So, it’s worth checking with your local council about the level of indemnity required – normally, it’s £5,000,000, but it’s always important to check.

Why Use David J Miller Insurance Brokers?

Should you be interested in street event insurance for your Platinum party, then you can always count on David J Miller Insurance Brokers for your Jubilee needs and requirements. Our experts will guide you through the entire insurance process from start to finish, collecting all your details and allowing you to make a simple payment over the phone. We’ll email you all your documents, and assist you with all your questions – providing an efficient, speedy service.

Our specialists promise a professional experience; we are proud to be leaders in customer service and experience. You can expect a responsive, communicative and dedicated service at all times. Over the years, we’ve built up our experience in providing street party insurance for all types of Royal occasions, and as a result, we can ensure an exceptional policy for your Queen’s Jubilee party.

Get a Quote For Street Event Insurance

If you are hosting a street event for the upcoming Queen’s Jubilee, then you can get a competitive quote from David J Miller Insurance Brokers. We specialise in street event insurance, and can give you a quote over the phone in just a few minutes. With our team supporting and assisting you, you will be able to have the optimum insurance cover, which will give you total peace of mind throughout the entire occasion.

To get in touch with David J Miller Insurance Brokers, please give us a call today on 01254 355 159 to chat with a member of our team. We will get back to you as quickly as possible, answering any questions and providing you with more details. Visit the David J Miller Insurance Brokers website today to learn more about all of our services in more depth.

31 March 2022

Why You Need to Invest in Street Party Insurance

In the last few years, street parties have seen a resurgence in popularity with more and more people coming together in their neighbourhoods. Whether it’s for the Queen’s Jubilee or you’d just like to get together with your neighbours for a birthday celebration, a street party is a fantastic way to socialise, entertain and enjoy yourself. If you are planning a street party, then one of the most important things that you should remember is to obtain street party insurance.

Here at David J Miller Insurance Brokers, we provide street party insurance, guiding clients through the process from beginning to end. Below, our experienced team has written an informative post that details why you must invest in street party insurance, and how our staff can assist you in this area.

Read to learn more or call us today on 01254 355 159 for a telephone consultation.

Reasons to Take-Out Street Party Insurance

Many people believe that it’s not necessary to get street party insurance, as their event is only a small one, and it’s unlikely that anything will go wrong. However, this is simply not the case. You can never predict what is going to happen, and unfortunately, street parties can go wrong with unexpected events and incidents occurring. Claims can be brought against street party hosts, so it’s much better to have protection than to be unprotected when you’re hosting a street event.

In cases where there has been a serious incident such as an individual has been severely injured or substantial damage has happened – as a result of the event organisers negligence – then a claim or damages can be brought against you. What’s more, a lot of councils now require street party organisers to take out street party insurance before the event takes place. Therefore, you absolutely need to check with your local authority or council to determine the level of indemnity needed to meet the criteria. Typically, this is around £5million but it’s crucial you check.

Overall, it is a smart and sensible decision to get street party insurance. With the Queen’s Platinum Jubilee in 2022 being the flagship event of the year, having protection will ensure that you are covered in the event of an unfortunate incident.

Working with David J Miller Insurance Brokers

Getting street party insurance is very simple and straightforward. At David J Miller Insurance Brokers, our knowledgeable team can advise you throughout the entire process. All we need to do is take a few essential details from you, and then payment can be made over the phone.

Once this is completed, we’ll send your documents over to you by email. Our staff are on hand to explain everything about street party insurance. No matter how big or small your requirements are, we can assist you with a first-rate service. Our street party insurance will sufficiently protect you against claims for damages that are made against you, and cover you up to the indemnity limit of the policy.

Receive a Street Party Insurance Quote Today

If you would like to obtain street party insurance for your upcoming street party occasion, then you must get in touch with David J Miller Insurance Brokers today. You can give us a call on this number 01254 355 159 to have a telephone consultation with our experts.

We can answer any questions you have, provide you with additional information and discuss your street party insurance needs in more detail. We can provide you with a five-star service in every area – price, policy coverage and customer support.

Visit the David J Miller Insurance Brokers website today to explore all of our event insurance options in more depth – from annual event and boxing event insurance to trade show and fete insurance.

24 March 2022

Commonly Asked Questions About One-Off Event Insurance

When you’re hosting an event, the ultimate focus is that it all runs smoothly and seamlessly from beginning to end. This is your main concern and the area where you want to put all of your attention and efforts. With this in mind, it’s vital that you enlist the services of a trusted insurance broker to help organise your event’s insurance policy – whilst you focus on making the event a success.

One-off event insurance, also referred to as one-day event insurance, is perfect for organisers of events – no matter whether it’s a live music event or village fete. Here at David J Miller Insurance Brokers, we provide first-class event insurance for a broad range of events.

Read below to find the answers to the most frequently asked questions about one-off event insurance.

What is One-Off Event Insurance?

Perhaps you are organising a one-off event such as a fete, festival, party or community fun day, and you’d like cover – well then, a one-off event insurance policy is the answer. This type of policy provides the organiser, no matter if it’s an individual, company or association, with protection from claims of negligence in the event of damage to or injury to third parties at the event.

Regardless of how big or small your event is, event public liability insurance indemnity cover ranges from £1,000,000 up to £20,000,000, so all sizes and scales of occasions can be covered.

What Sort of Events are Covered?

There are a whole host of events that are covered by one-off event insurance. These include amateur sports events, concerts, festivals, exhibitions, carnivals, fetes, birthday parties, charity days, dinners, galas, theatre productions, dog shows, live music and many more.

In addition to this, even unusual and unique events such as dangerous sports or hazardous activities can be covered – although this depends on the insurance broker that you use.

How Can I Obtain an Insurance Quote?

If you are interested in getting an insurance quote for an upcoming one-off event that you’re going to be hosting, then this is something that can be done very quickly. An insurance broker such as David J Miller Insurance Brokers can normally provide a no-obligation quote and sort out cover in a matter of minutes. It is a straightforward process, and if you proceed, you will also receive instant confirmation of cover, with your insurance policy documents emailed to you directly.

Want to Enquire About One-off Event Insurance?

Now that a number of important questions regarding one-off event insurance have been answered, if you’d like to make a formal enquiry about an approaching event that you’re organising, then you should contact David J Miller Insurance Brokers today. Our professional, knowledgeable team can answer any questions you have, and discuss the specifics of your event in much more detail.

We have a five-star reputation for price, customer service and policy coverage, so you can be assured that you will receive a first-class service when you work with us. Call us today on 01254 355 159 to speak with a member of our team. You can also learn more about our range of event insurance services – from boxing event insurance to trade show insurance – by visiting our website today.

19 September 2020

Do I need event insurance?

Why buy event insurance?

In today’s world full of blame culture and people preparing to take legal action at the drop of a hat, it is vital that event organisers have appropriate event insurance in place. The same principle applies to stallholders and exhibitors at events.

Furthermore, many venues need proof of an organisers liability insurance, usually in the form of a certificate. Without it, they would most likely refuse use of their facility.

The insurance cover you require will always be specific to your event. Nevertheless, there is an array of cover options available to protect your finances, assets and liabilities:

Event public liability insurance
Employers liability insurance
Event equipment insurance
Cancellation and non appearance insurance

Event Insurance for big, unusual and sports events

We can cover larger and more complicated events?

We have considerable experience in insurance for festivals, concerns, sporting events as well as unusual and niche events.

If you find yourself struggling to figure out what cover you need, our team can assist. We can discuss your options and requirements or even just provide some advice and information.

Here at David J Miller’s, we are dedicated to ensuring your liabilities are covered. As a leading UK event insurance broker, we can provide quotations for a vast array of events from small community fun days to huge music festivals.

It essential to have confidence in your insurance broker

Without confidence in your broker, you can’t have confidence in your insurance cover. Rest assured that we utilise some of the largest names in insurance to provide our policies.

What events can we not insure?

To put it simply, there is very little we can’t do. From low-key business meetings to high octane obstacle courses, we can provide adequate insurance coverage.

Furthermore we can offer quotations for parties, beer festivals, boxing matches, dinner dances and balls, community fetes, fayres, festivals, charity events, sports events and firework displays. However, this is not an exhaustive list.

If you can’t find a mention of the type of event you’re organising, give our team a call.

Getting an event insurance quote?

To get an event insurance quote, simply complete our online enquiry form. Subsequently, one of our account handlers will give you a call to take the additional information required.

Dedicated to our craft

We have always been proud of the service we provide but are constantly evolving. Similarly, we find that our clients are incredibly satisfied with us during the lifespan of their policy.

20 March 2019

Tips for an amazing Easter event

Creating a family friendly Easter event can be a bit tricky. You need to the right balance of fun and rules. You want the children to enjoy themselves whilst the parents know they are safe.

So what can you do to make your Easter event a success?

Find the space

Essentially, the right space itself can make your event a real joy to attend. Try and find somewhere gated or with clear boundaries. This will give the parents of any children a bit of peace of mind.

There are plenty of community areas that may suffice. Alternatively, ask around your neighbourhood. You never know, there might be someone with a huge garden willing to rent it out for your event.

Pick the right date

Organising your event to take place on Easter Sunday might be more of a hindrance than you expect. A lot of people prefer to spend quality family time together on this day. Why not try a day or two beforehand? This will hopefully ensure that you get the best turnout possible whilst avoiding any competition from similar events.

Games for the children

There are plenty of the usual games that you can organise for the children attending your event. However, it’s most likely the Easter egg hunt that the kids are waiting for.

Take your time setting up the hunt. Invest in as many eggs as you can and space them out well within the space.

Then organise how you’re going to release the children. Why not set the younger children off first? Give them chance to find the eggs in plain site. Once they have a few in their baskets, they will probably be happy to call it a day. Then you can instruct the older kids to actually hunt for the remaining eggs. The older children will enjoy the challenge and will probably appreciate that they’ll need to use a bit of ingenuity.

If you’re concerned about anyone missing out, why not allocate a few ushers to roam the space with some extra eggs. They will be on hand to slyly drop treats in the direct path of some struggling participants.

Don’t forget the grown ups

Most parents are more than happy to sit down with a cup of tea and watch their child enjoy themselves. So give them the tools to do just that. If you provide hot drinks, refreshments and snacks, the adults will be more than happy.

If you throw together some stalls and a tombola, even better. Just make sure that if you’re hiring any third parties to run stalls or stands, they hold adequate stallholder insurance.

Make sure that it is an event that all of the family can have a great time at.

Making sure your event is a success will obviously be your top priority. Nevertheless, incidents can happen at any time and without special event insurance, you could find yourself in a troubling position.

4 March 2019

Do you need event insurance for a party?

When organising a party, one of the last things you might think of is event insurance. The question is, do you really need to insure your party?

Unsurprisingly, our answer will always be yes.

What if you have to cancel the party?

If you’re unfortunate enough to find yourself in a position where you have to cancel your event, surely you’d not want to be left significantly out of pocket? Opting for event cancellation insurance, this can cover your irrecoverable expenses incurred in the occurrence that you cannot go ahead with the party. Wherever you source your cancellation insurance from, ensure that you read the exclusions. Your policy may not cover a range of circumstances including cancellation due to bad weather which might be a deal breaker if your party is meant to be outdoors.

What if you accidentally injury someone or their property?

What if your negligence is the cause of injury to a party guest? Similarly what if through your actions, you accidentally damage somebody’s property? You could be left to cover any compensation or replacement costs.

Public liability insurance is designed specifically to protect against the aforementioned circumstances.

Should you protect your equipment?

If your party relies on sound and lighting, why risk having the replacement costs of the equipment if a guest was to damage it?

Furthermore, event equipment insurance doesn’t just cover items that you own. Cover can protect equipment that you have hired in for your event.

Would my insurance cover a DJ?

If you’re hiring in a DJ for the party, they would need their own insurance. As the organiser, you cannot be responsible for any incidents resulting from the actions of the DJ.

We can provide DJ insurance cover for public liability as well as equipment cover.

If you have any questions about your party insurance, why not speak with us via our LiveChat? Alternatively, give us a call. One of our account handlers will be more than happy to help.

With Easter just around the corner, check out our article on Tips for an amazing Easter event.

2 March 2019

Potential Risks & Single Day Event Insurance

As an event organiser, there are a multitude of tasks constantly occupying your mind. It’s no surprise that your single day event insurance can be overlooked from time to time.

Our experience has explicitly taught us just how draining organising a one off event can be. We are here to help. Our aim is to make sourcing your event insurance the simplest task on your list.

Why do you need event insurance and, more specifically, what are the risks involved in organising a one day event?

Public liability – insuring against potential injury

The first example most companies use to emphasise the importance of events insurance is an event attendee injuring themselves through your, or your employees, negligence.

If a member of the public trips on some unsecured cabling and injuries themselves, your company is liable. Similarly, if you have incorrectly erected a piece of equipment that disassembles and hurts someone, you could find yourself facing a public liability claim.

In the above scenarios, event public liability insurance would assist in covering the legal costs and compensation awarded to the injured party.

Employers liability

Paid or unpaid, if someone is operating under your supervision and control, they may be considered an employee. As such, if they suffer an injury or fall ill as a result of their work, you could be held responsible.

Employers liability insurance is a requirement by law. An employers liability policy would assist in paying damages, expenses and claimants costs in the event of an incident involving your employee.

Public liability – insuring against property damage

If a guest at your event was to accidentally break something belonging to the hired venue, you would need insurance coverage to ensure you do not have to cover the replacement costs yourself.

For the majority of people, insuring for public liability relates to an injury. However, public liability insurance also provides cover for third party property damage.

If there is accidental damage to property or equipment, that doesn’t belong to you or the organising company, the public liability insurance portion of your event policy could provide cover for the damage.

Cancellation – what if your event cannot go ahead?

As tragic as it will be to admit, there will always be things out of your control.

What would happen if your event venue was unable to hold said event due to food poisoning? At the very last minute, and with no suitable venue alternative available, you would have to cancel the event.

Subsequently, without an event cancellation insurance policy, you would lose out on costs and expenses.

We can provide cancellation cover to reimburse any irrecoverable expenses. Alternatively, it can recover loss of gross revenue in the occurrence of unforeseeable cancellation of your event

Insure with ease

Here at David J Miller’s, we understand that event the best laid plans can go awry.

If you have any queries regarding your event insurance, take a look at our frequently asked questions.

Additionally, you can speak with us through our Live Chat or simply give us a call.

We can provide quotations in minutes and have you on cover in no time. We are dedicated to ensuring that you insure with ease.

It might not always be apparent if you require insurance for something you are planning. For example, our blog titled Do you need event insurance for a party? can provide some information on insuring for private parties.

28 February 2019

Bad Weather Insurance

Insurance caters for the unforeseen and the unpredictable. What’s more unpredictable than the great British weather?

The majority of event organisers worry that their event is going to be interrupted by a sudden torrential downpour of rain, but can you insure against these risks?

Is there such a thing as bad weather insurance?

Essentially: yes.

More commonly, bad weather insurance is known as event cancellation insurance. Cancellation cover can include financial protection should your event fall victim to adverse weather.

If you are organising a community fun day, a sporting event or any other outdoor event, make sure that you are familiar with the event insurance cover options that are available to you.

What is adverse weather?

Adverse weather cover refers to conditions so bad that running the event would be deemed dangerous. In this case, you should ensure that your insurance provides adequate cover for cancellation of the event. Similarly, cover can be provided should inclement weather deter the crowd from attending the event.

Furthermore, we can extend cancellation insurance to include excessive wind speeds and rainfall.

Making sure your insurance covers your needs

It’s imperative that with any event insurance quotations you receive, you check that the cover is adequate for your personal requirements.

Event insurance policies may not include event cancellation as standard. Ensure that you put your coverage needs to your supplier in order to reap the benefits of a tailored insurance policy.

If you find yourself unsure of the cover you require, give our dedicated account handlers a call. We can assist with any questions you may have.

Similarly, take a look at our online enquiry form. You can easily input any cover needs for our team to receive and don’t be shy, if you have any questions about bad weather insurance, let us know.

Bad weather isn’t the only risk looming, our blog on Potential Risks & Single Day Event Insurance may provide some insight.

27 February 2019

5 Tips For A Successful Stall

It’s no secret that, if you have a stall at a fayre, trade show or other event, location is a big factor.

Those situated next to the entrance may garner more attention than those tucked away in the back corner.

So how can you guarantee that your stall will be a success?

Competitions

If you can get your hands on a prize that will draw people to your stall, you’re definitely on to a winner. The general public like a prize whether it’s a smart TV or a £20 gift card.

Organise a competition or raffle and the word will soon spread around the event.

However, you don’t want to be giving something away for free, why not try a raffle where anyone who makes a purchase/signs up for a service at your stall is given a free raffle ticket.

In this scenario, not only does it draw people to your stall, it also encourages sales.

Cater to the public’s needs

If you’re a stallholder at a large event, put yourself in the shoes of the attendees. What do you think you can offer that is needed?

If it’s an outdoor event, why not opt for a canopy? You’ll be preempting the unpredictable weather and potentially be providing much needed shelter. If attendees are flocking to you to get out of the rain, they wont be able to help perusing your goods.

Why not provide refreshments at your stall alongside your main services? Encourage attendees to visit your stall and beat the queues at the beverage stands.

Mingle and meet

If there is more than just yourself running the stall, head out and stretch your legs. Mingle with the attendees and let them know of the goods you’re providing at your stalls.

Additionally, this is the perfect opportunity to hand out leaflets if you have them.

Display is key

Ensuring your stall is pleasing to the eye is imperative. It’s unlikely that anyone will approach a stall that looks thrown together haphazardly.

Start off with any bigger items towards the back of your counter, or on their own separate unit. Then descend in size as you advance toward the front of the surface.

If you have any branding, make sure it is clear and integrated within the stall.

Just make sure you don’t obstruct any walkways or have any trailing equipment. As a stallholder, the last thing you want is a public liability insurance claim presenting against you.

Games and activities

If your stall is centered more around a service than goods, you might find it trickier to entice people over to you. Sometimes these kinds of stalls can appear ever-so-slightly empty.

Games and activities can cause attendees to flock to your stall providing that you can offer something special.

Carnival and fairground games will always go down a treat with the public. Moreover, if you can tailor the game to have relevance to the services you’re advertising, you’ll be at the forefront of the attendee’s minds.

At the end of the day, your stall location doesn’t have to make or break your experience at the event. There are countless techniques to encourage people to visit your stall, and the above ones we have detailed are in no way exhaustive.

If we can be of any assistance, including providing a stallholder public liability insurance quotation, please contact us without delay.

Don’t let the rain wash out an event, take a look at our blog on Bad Weather Insurance.