| When you organise a big event, you are likely to | | | | higher limits depending upon your requirements. |
| have other things on your mind than your exposure | | | | Some event insurance companies would pay the |
| to legal liabilities, at that point the event insurance | | | | defence costs incurred, in order to defend an action |
| cover comes in play. It doesn't cost much and can be | | | | against you. They provide cover for loss of or |
| quite suitable for exhibitors, providing valuable | | | | damage to business property within the space |
| protection for your company and investment, leaving | | | | allocated to you at the event, which you own or for |
| you to get on with running your stand. | | | | which you are legally responsible (for example, hired |
| If the event at which you have arranged for space | | | | equipment). |
| as an exhibitor is cancelled for reasons beyond your | | | | This insurance is available to give you peace of |
| control, you can have a sigh of relief as you are | | | | mind and covers losses for events which occur due |
| covered for losses up to the sum insured. It will | | | | to unforeseen circumstances. Experienced event |
| protect you, if you face a claim for compensation | | | | organisers know to expect the unexpected and your |
| payable to a third party, following actual or alleged | | | | business insurance may not be enough to cover you |
| accidental bodily injury or damage to their property, if | | | | if something ruins your special event. |
| the incident happens during your event. It may even | | | | These policies can be purchased for special |
| be possible to extend the cover to include also fraud | | | | events ranging from baby showers to birthdays, |
| or dishonesty on the part of any of the trustees or | | | | graduation to retirement, engagements to weddings |
| volunteers, etc. | | | | and anniversaries. There are companies, who can |
| Event Insurance can be a cost-effective | | | | offer single event insurance, multiple event insurance |
| package for a one-time special event. You can either | | | | or even annual event insurance - whatever your |
| choose public liability cover, and can further purchase | | | | needs. As the special event holder, you will most |
| an additional employers' liability cover for your legal | | | | likely be required to provide proof of liability insurance |
| liability for injury to your own and casual staff or | | | | to the facility or venue where you are planning to |
| volunteers. | | | | hold your special event. |
| This sort of cover is ideal for you, especially if a | | | | There are occasions, when things can go wrong, |
| criminal action is brought against you for any breach | | | | even with proper arrangements made for people |
| of statute or regulation directly relating to any actual | | | | attending a fair, a fête or a carnival, a specialised |
| or potential claim covered under this section. This | | | | low cost event insurance policy can then come to |
| cover also includes loss of, or damage to, the venue's | | | | your rescue. It protects you against the unforeseen, |
| buildings, fixtures, fittings and machinery, up to | | | | letting you bask in the glory of a well-run event. |
| thousands of pounds. You may also get significantly | | | | |