Charity Event Insurance – what do you need to know?
I f your charity is planning events this your events a success. With good planning and management, the chances are that your event will run smoothly, but there are always things that might happen which are outside of your control, such as bad weather, a piece of equipment breaking down, or a headline celebrity not turning up. This is where your insurance policy will help to prevent serious financial consequences for your organisation. year, the peace of mind that comes with getting the right insurance cover in place will mean you and your team can reduce your ‘to do’ list and focus on making
Almost every charity will choose to have a public event at some point during the year. Running an event can boost the finances and reputation of your charity, but it is important to recognise the kinds of risks that it brings, and how the right insurance cover can help.
What insurance should I consider for my charity event?
Public Liability Public Liability insurance will cover you and your charitable organisation for potential costs in defending any injuries to attendees or damage to property during your event. It isn’t a legal requirement in the UK but it may well be required if you are using land, property or facilities owned by a third party. Employers Liability If you employ any staff at your event, it is a legal requirement to have a minimum of £5 million cover of Employers Liability insurance, but most policies offer cover of at least £10 million. This will cover physical and mental injury, or fatality to employees which happens at or through work or because of workplace conditions. Employers Liability is almost always needed for any volunteers at a charity event as they are defined as representatives for your organisation, which makes you, the event organiser, responsible for their wellbeing.
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