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Different kinds of insurance for events and festivals

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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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New local date for Hozier this summer

With over 22 billion global streams Hozier, whose other shows are completly sold out, has announced a new date in Killarney this summer. Not only will the Grammy-nominated, award-winning multi-platinum […]

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With over 22 billion global streams Hozier, whose other shows are completly sold out, has announced a new date in Killarney this summer.

Not only will the Grammy-nominated, award-winning multi-platinum singer and songwriter, perform in Malahide Castle and The Academy, but he has announced a gig at the Gleneagle INEC Arena on June 27.

Driven by the thought-provoking quintuple-platinum anthem, ‘Take Me To Church’, ranked the 30th most listened to song on Spotify, the track is the 103rd song to ever achieve the rare milestone of Diamond certification and the highest certified solo Alternative single in RIAA history.

‘Take Me To Church’ has surpassed 2 billion streams, the only Irish artist to achieve this feat.

Hozier’s success hasn’t been confined to the UK and US with the album also achieving Multi-Platinum status in Belgium, Canada, Australia, Germany, France, Italy, Denmark, Ireland, Russia, Sweden, Poland, Switzerland, Austria and the Netherlands.

Major TV appearances have helped spread the gospel including stand-out appearances on Later with Jools, Jimmy Fallon , David Letterman, Saturday Night Live, Ellen, Jimmy Kimmel, and Graham Norton. Following a year of sold out shows and festival appearances across the US, Canada, Europe and Australia, VH1 crowned Hozier ‘Artist of the Year’ and he received the honours ‘Top Rock Artist’ and ‘Top Rock Songs’ at the 2015 Billboard Music Awards.

In addition, he scored nominations for ‘Song of the Year’ at the 57th Annual Grammy Awards at which he performed alongside Annie Lennox and ‘Favourite Artist – Alternative Rock’ at the American Music Awards.

He won BBC ‘Song of the Year’ and the coveted Ivor Novello award for ‘Song of The Year’.

As Hozier prepares to release his third album ‘Unreal Unearth’ in 2023, his 3-track EP ‘Eat Your Young’ was released on March 17 in honour of his birthday and St. Patrick’s Day.

Tickets for Hozier go on sale this Thursday at 9am.

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First born Kerry Calf of the year is a girl!

The first born Kerry Calf of 2023 was born at Muckross National Park this week. Both mother and calf are doing very well. The rare and native bred is distinguished […]

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The first born Kerry Calf of 2023 was born at Muckross National Park this week.

Both mother and calf are doing very well. The rare and native bred is distinguished by its black colour, grazing outdoors in all seasons and is extremely hardy. The newborn calf can expect a long and peaceful life grazing in the National Park – the half moon close to Torc Waterfall is a popular grazing field.

Kerry cattle are a rare breed of dairy cattle – native to Kerry, descended from the Celtic Shorthorn, brought to Ireland as early as 2000BC. They are considered one of the oldest breeds in Europe, known for their milk quality and gentle nature.

Killarney National Park recognises the importance of conserving the historic Muckross herd. Former owners of Muckross Estate, Arthur Rose Vincent, were passionate about the Kerry Calf. Today, the rare bred are cared and managed by Chief Herdsman, Mike Fleming, particularity for preservation and agricultural heritage.

Another prolific breed is the ‘Cahernane Kerry’ owned and bred by dairy farmer, Ms Hilliard of Cahernane, Killarney. Ms Hilliard is one of the strongest advocators in the preservation and conservation of the bred. She is life-long secretary of the Kerry Cattle Society.

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