News
Different kinds of insurance for events and festivals
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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