Exploring Outdoor Event Insurance and its Benefits

Planning an outdoor event and currently exploring your insurance options? Outdoor event insurance provides you with a range of benefits, to cover you in case anything goes wrong. Although it is unlikely, it is important to be covered to protect you against claims in the case of an accident happening at your event.

What is Outdoor Event Insurance?

There is a range of one off event insurance options to consider when planning an outdoor event, including event public liability insurance, employers liability insurance, event equipment cover, and cancellation cover. All of these forms of insurance can help to protect and cover you in case of any incidents, accidents, and cancellations at your outdoor event. Although hopefully, you do not need to use your outdoor event cover, it is very important that you have it there just in case of any emergencies that may occur and are out of your control. 

Exploring Different Types of Event Insurance

Event public liability insurance covers your legal liability towards members of the public, following an accident or incident that may occur at your event. This cover also provides protection from claims brought about by third parties in the event of injury or damage to their property caused by the insured’s negligence. Employers liability insurance covers your legal liability towards any paid employees, volunteers or assistants whom you have entered into a contract of service with following an accident. 

Then there is also equipment and assets cover, which provides financial protection for any equipment owned or hired in for use at your outdoor event. We also provide cancellation and non-appearance cover, to provide you with financial protection in the occurrence of a cancellation due to circumstances beyond your control.

Why is Outdoor Events Insurance Important?

Outdoor events insurance is key to protecting your event from any unforeseen accidents or incidents that could end up costing you a lot of money if you are not insured. For example, the equipment that you have erected at your outdoor event could become unstable, and collapse onto an attendee of your event. The insured party could find you, as the event organiser, negligent and present a claim for third-party bodily injury. Public liability insurance would protect you against this happening.

Or for example, you hire a large lighting system, and at the end of the event notice that the lighting controller has been stolen. Without adequate insurance cover, you would be liable for all replacement costs for the missing controller. Perhaps a volunteer or member of staff at your event suffers an injury falling from a ladder. This is where employers’ liability would protect you from this kind of claim.

Although we hope that you don’t need to use your outdoor events cover, it is definitely important and something that you need to factor in when planning your outdoor event.