There are several events during the festive season, from Christmas parties and Christmas markets to Christmas light displays. This truly is the most wonderful time of the year. If you’ve been put in charge of organising a Christmas event this year, there is a lot to think about. It can be easy to forget about things like Christmas event insurance policies.
Having Christmas event insurance is always important and you should ensure that you have policies in place to provide you with comprehensive protection. This means you can enjoy your event without worrying about the consequences of accidents. At David J Miller Insurance Brokers, we understand how important Christmas event insurance is. We can help you to find the perfect policies for your needs. There are a few different policies we advise event organisers to take out during the festive season, including the following;
Public liability insurance
It’s highly recommended that you arrange public liability insurance whenever you’re planning a Christmas event. Although this type of insurance is voluntary, it can be incredibly beneficial and you should ensure that you’re protecting your liabilities. When you have suitable public liability cover in place, should a member of the public be injured at your event and choose to make a claim against you, your insurance will help to protect you against any negligence. Unfortunately, claims can arise from a range of incidents, so adequate protection is always important.
Employers liability insurance
Having paid employees or unpaid volunteers working at your Christmas event? Employers liability insurance is compulsory. As an employer, you are legally responsible for the health and safety of the people working at your event. Therefore, you can be fined if you don’t have appropriate liability insurance that complies with the law. Employers liability insurance is designed to protect you against liability if someone is injured or falls ill whilst working at your event. It can provide financial security if a claim is brought against you.
Event cancellation insurance
Unfortunately, sometimes Christmas events will need to be cancelled and the reasons for these cancellations may be out of your control. Nonetheless, as the event organiser, you may be required to compensate ticket holders and pay invoices when an event doesn’t go ahead as planned. Event cancellation insurance provides financial protection by reimbursing irrecoverable costs and expenses when you have no choice but to cancel, abandon or postpone your event. You can find a list of examples of event cancellation claims on our website.
When hosting a Christmas event, there is a high chance that you will have a range of equipment on-site. Whether you have hired this equipment or you own it, it is undoubtedly beneficial to protect it. Having event equipment insurance will provide peace of mind that if your equipment is stolen or damaged, you will be able to replace it or pay any charges from a hire company. This insurance is designed to cover equipment that would usually be excluded under a standard policy. It can be very useful during a busy festive season when you rely on your equipment.
Lots of people don’t realise that you can get non-appearance insurance. This type of insurance is a must-have if your event relies on a specific individual or group making an appearance. You can get non-appearance insurance to cover entertainers, artists and public speakers, to mention a few. It can protect against expenses incurred or loss of profit due to key personnel not showing up to your Christmas event. This type of insurance is useful in a range of unforeseen circumstances and it shouldn’t be overlooked.
Find out more about Christmas event insurance policies
Should you have any questions about Christmas event insurance, don’t hesitate to contact our team. As a leading supplier of event insurance, we can provide you with any additional information you require. You can rely on us to help you find the insurance policies you need this festive season.
We have many years of experience supporting individuals and businesses alike with their insurance needs, providing a one stop shop for insurance. Additionally, we pride ourselves on not only providing competitive event insurance, but making the process of getting the insurance you need as hassle-free as possible. Our team looks forward to hearing from you.
Need inspiration for this years Christmas party? Check out our 8 Christmas party ideas.