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7th
MAY

Liability Insurance Protection – Diamond Jubilee

Posted by Active under Latest News, Public Liability

It is a busy year for the UK – we have the Olympics upon us shortly and also the Queen’s Diamond Jubilee celebrations. For those of us old enough to remember the Queens Silver Jubilee, this brings back nostalgic memories of street parties and neighbours actually knowing each other and celebrating together. Unfortunately, times have changed since that period and litigation is now rife. Gone are the days when someone has an accident, laughs it off and puts the blame squarely on themselves, however  the ABI recently published a guide to planning an event such as a street party which is worth reading if you are the organiser, to make the day a complete success.

There is no law that requires an event organiser to buy insurance (except where the organiser employs someone – then employers liability insurance is compulsory), so common sense must prevail especially where young children or alcohol are involved. Some of the common issues that need considering are:

  • Is the area suitable for such an event?
  • How many people will turn up?
  • Is there a first aid kit available?
  • What sports will be arranged – consider if alcohol present!
  • Is food being served – hygiene standards imperative?
  • What will happen in the event of an emergency?
Also consider if you are renting or using someone else property or if apparatus such inflatable bouncy castles or trampolines come with insurance from their supplier – these are notorious for inflicting injury and little Jonny’s mother will be none to pleased to see him spending six weeks in a plaster cast or worse.

There are many issues to consider so getting comparative insurance quotes by typing in something like “compare liability insurance” or “cheap public liability” into a search engine won’t cost a penny for peace of mind. But be honest and clear as to the type of event you are arranging so the day can be enjoyed by all.