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Different kinds of insurance for events and festivals

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3 years ago

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By John Healy of Healy Insurances

It’s the time of year when festivals, concerts, fun days and a variety of other summer events take place around the country.

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What kind of insurance cover should be in place?

If you are organising a public event you should have Public Liability Insurance in place. Public Liability Insurance covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries or damage to third party property in the course of the event. The limit of indemnity options would usually be €2.6 million and €6.5 million. All State owned lands or events in conjunction with local authorities will insist on the limit of €6.5 million.

Volunteers can be included under your Employers Liability. Employers Liability Insurance covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries to a volunteer and/or employee.

Cancellation Insurance would cover the loss of revenue should the event be cancelled due to for example; non-appearance of a major act. Directors and Officers Cover may be advisable for larger events.

The level of insurance cover recommended will depend on the event taking place. A festival over a few days or with varied entertainment options will be underwritten differently to a coffee morning or a quiz.

A robust risk management structure is crucial. This should include health and safety statements and risk assessments, induction for stewards, First Aid measures, manual handling, personal protective clothing, liaison with local authorities and Gardai, cleaning plans, car park plans, fire safety procedures, and of course managing movement of people. Any third party sub-contractors should have their own insurance policies in place with specific indemnities provided to the event organisers.

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Motorists advised to be careful during bad weather

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3 hours ago

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8 December 2025

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Kerry County Council is appealing to people to stay away from exposed coasts while the weather warnings are in place this week.

Met Éireann has issued an Orange Warning for wind for Kerry which is effective from 7am to 3pm on Tuesday. There is also a Yellow warning for rainfall which is in place from 9pm tonight to 9am on Tuesday.

Storm Bram is expected to bring a very strong to gale force southerly winds with the strongest winds along the coast.

Motorists are advised to expect travel disruption on Tuesday with surface water likely on many routes.

Wave overtopping and high tides are expected to contribute to possible flooding in coastal areas.

The Local Coordination Group which includes Kerry County Council, the HSE, An Garda Síochána, emergency services and utilities, is meeting this afternoon to prepare for the impact of Storm Bram.

Kerry County Council announced today that Rossbeigh beach car park had been closed to the public until further notice. Members of the public are also advised not to park or walk near the coast during this period.

Kerry County Council’s weather emergency phoneline will be operational during the weather warning and issues can be reported to 066 7183588.

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Killarney Civic Arts Group to hold first AGM

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7 hours ago

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8 December 2025

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Killarney Civic Arts, a new group formed to advance cultural awareness and promote participation in the arts, is inviting the public to its inaugural Annual General Meeting (AGM) this month.

The group, made up of artists and arts workers, aims to share experiences and insights with the community regarding the future and direction of cultural development in Killarney and the wider Munster region.


Killarney Civic Arts invites anyone who cares about shaping creative places in the community to connect with them and share their thoughts and stories.


The first AGM will be held in the Deer-hunter lounge at the Dromhall Hotel, (V93PY80), on Saturday, December 13, at 10.00am. The event offers free entry and is hosted in an accessible room.


For further information, the public may contact Dolores Lyne at 087 263 8720.

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