| With charity event insurance in place, you can get | | | | have fun in many other ways without putting people |
| protection and peace of mind not just for your | | | | at risk. |
| assets but also for you, your staff, your trustees | | | | 3. Charity event insurance policies may also cover the |
| and volunteers. There are usually four risk categories, | | | | damage rendering the venue unavailable; breach of |
| which all event organisers face: legal, physical, people | | | | contract by the venue, terrorism damaging the |
| and event. Whether the event is a small conference | | | | venue or preventing access, outbreaks of infectious |
| or a music festival, sponsored by a corporate | | | | diseases, leading to quarantine or restricted access. |
| company or based on the takings at the gate, these | | | | Some other factors may also include adverse |
| type of risks are always there. The only difference is | | | | weather disrupting air, sea and rail transport, strikes, |
| largely a matter of scale and exposure and this is | | | | outbreaks of civil disorder, revolution or war, which |
| where risk management and insurance come in. | | | | can have indirect effects such as flight diversions etc. |
| Organising charity events can be quite nerve racking | | | | Then there are also speakers or entertainers who fail |
| at times. It is however, the duty of the trustees of | | | | to turn up due to illness, delays or other problems. |
| a charity to safeguard the property of a charity from | | | | 4. Quotations can be obtained online for small and |
| direct loss and damage as well as from third party | | | | medium-size charities from a professional broking |
| liabilities which would otherwise need to be satisfied | | | | service working solely for the non profit sector. |
| out of the property of the charity. | | | | 5. The details should be listed in the contracts for hire. |
| 1. Your charity event insurance cover can play a | | | | If it is your responsibility, then try and establish the |
| great role where events pose a substantial risk to | | | | real value of the property at risk and insure the full |
| the equipment and property used on site. From AV | | | | replacement cost. Also check whether you are |
| equipment to the very fabric of the venue | | | | responsible for breakdown risks and the loss of hire |
| everything needs to be covered or considered whilst | | | | charges under hire agreements. And if you are using |
| finalising the details of the insurance. If it is your own | | | | a carrier to move equipment around, you must be |
| property you are taking onsite, you have to be | | | | aware of limitations on their liabilities under conditions |
| careful to insure items twice, you may already have | | | | of carriage. |
| insurance for items normally based at your premises. | | | | Event organisers usually face a number of challenges |
| 2. In some events, there are many hazardous | | | | in all industries, but they can be particularly worrying |
| elements involved, like sponsored bungee jumps, | | | | for charity events, where one miss-step could ruin an |
| parachute dives or racing of some sort. In all such | | | | entire year's funding and your ability to meet the |
| circumstances, risk should be measured and | | | | needs of those relying on you. Fortunately for you, a |
| undertaken consciously, and frankly in some cases, it | | | | well developed charity event insurance market exists |
| may best to decide not to take the risk. You can | | | | to protect against all such dangers. |