Public Liability Insurance

Quite simply, public liability insurance is considered as the first line of protection for event organisers seeking to cover themselves against unexpected accidents at the location.

At an event, the primary reason for taking up public liability insurance is to cover against:

  • Legal liability for injuries sustained to third parties (members of public)
  • Legal liability for any damage to third party property (location worked on)

What kind of scenario would it cover?

Public liability insurance covers for any awards or damages given to a member of the public because of an injury, or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses as well as costs of hospital treatment that maybe claimed against you.

Is this required for my business?

Incidents where members of the public are involved in accidents on the building or construction site are among the most common accidents which can result in a claim. For example, if a member of the public accidentally slips or trips on the work site, they may claim for compensation. Public liability insurance covers this cost for a business.

What are the implications if I do not have it?

Generally speaking, public liability insurance is not compulsory; however as a conscientious business it is good practice to have this cover in place to safeguard your company. Increasingly, you will also find that many of your customers or potential customers require proof of adequate insurance before they will allow you to work for them (particularly local authorities and government agencies).

What limit of cover do I need?

We can offer you £1,000,000, £2,000,000 or £5,000,000.

It is usual for most sole traders or small businesses to arrange Public Liability insurance cover with a limit of indemnity of £1,000,000. The indemnity limit you choose should reflect the size and nature of your business along with the risks it presents.

How much will it cost?

Public liability premiums are based on the type of business and rated on the financial turnover of the business. As a general rule of thumb the larger your operation is, the higher the premium you are likely to pay. The reason for this is simply because the risk of accidents are elevated in ratio comparison to smaller companies.

How long does it take to get insured?

By using the online quote engine, you can insure your business within a few clicks.


Employers Liability Insurance

It is stated in the law that event organisers or businesses that employ people must ensure they have employer’s liability insurance. Whether or not you employ full time, part time or those on work experience, employers liability insurance is compulsory and must be in place.

As an event organiser who employs others, this type of policy safeguards both employees and the business in the following circumstances:

  • For accidental injuries sustained by your employees whilst working for you.
  • For compensation you as the employer become legally liable to pay as for the accident.

What is it?

The Employers Liability (Compulsory Insurance) Act 1969 states that an employer must have insurance to cover against any injury or disease suffered to employees.

Why is it required?

In work places throughout the UK accidents occur often causing serious injuries. As an employer, it is your responsibility for the health and safety of your employees in the workplace and during any working activities. Employers’ liability insurance protects your employees but also safeguards your business from the expenses related to any claims for serious accidents or illnesses.

What limit of cover do is needed?

The minimum level of cover demanded by law is £5 million, however most employers liability insurance policies offer £10million as standard.

What does it cover me or my company for?

Anyone under your supervision for the purpose of working is considered an employee, be it a volunteer, work experience intern, or a part or full-time employee. Employer’s liability insurance covers the cost of compensation for your employees. It also covers the legal cost attached to dealing with the claim.

How long does it take to get a policy arranged?

Just use the online quote engine and within a few clicks you can get insurance for you or your business.


Even if you already have Event Insurance, contact IMS for an objective second opinion.

You'll discover our service to be personal, friendly and flexible to satisfy your insurance needs.

You may discover we can offer you something way better than what you already have.

Call Now: 0208 344 8019
You'll be glad you did

Live music concert Fans enjoying sports event Waiters serving refreshments

Live music concert

Fans enjoying sports event

Waiters serving refreshments