Ensure You’re INSURED

guarantee, especially if you’re spicing up your event with exciting activities and experiences. While public liability insurance might seem like just another expense during the organising process, if anything does go wrong on the day, it could end up saving you thousands.

Employers’ liability insurance

Delegates aren’t the only people whose wellbeing you’re responsible for during your event. If you have staff working the event, you will also need employers’ liability insurance. This is separate from public liability insurance and covers you if any staff are injured while putting on your event.

If you employ temporary or short-term staff, casual workers, or volunteers at the event, you will need to have employers’ liability insurance. This insurance covers both paid and unpaid staff at the event, and will protect you in case of any accidents; covering claimant costs, damages, and expenses. However, it will not cover occurrences such as road accidents on the way to the event or subcontractors or suppliers such as caterers.

Event cancellation insurance

While you always try your best to ensure your event goes ahead, sometimes circumstances are out of your control and you have to cancel. Whether it’s a problem with a speaker cancelling, equipment not working, or an act of god such as a freak storm, sadly cancellation is sometimes necessary. It can be quite costly if you aren’t insured for it, so make sure you are.

Cancellation insurance protects you from irrecoverable costs and expenses you may incur as a result of your event having to be cancelled due to circumstances beyond your control. Your insurer will reimburse your costs and expenses incurred or loss of profit following the cancellation of your event, or even if it’s only delayed or interrupted due to unforeseen circumstance.