Event Insurance For Community Groups
As the organiser of a single one-off community or family event there are several key aspects when it comes to insurance and risk management that you should consider. At LCIS, we work with thousands of event organisers to understand their unique risks and how we can best cover these with the right level of insurance. We also assist you with risk management before, after and during your event.
Insurance For One-Off Events
Types Of Events We Can Insure
As the organiser of a single one-off community or family event there are several key aspects when it comes to insurance and risk management that you should consider.
WeddingsTrivia NightsSausage SizzlesCultural FestivalsArt ExhibitionsCharity Walks / Fun RunsFamily Birthday / ReunionsSporting CarnivalsConcertsRaffle Ticket StallsFood And Wine Festivals
Conference and SeminarsPageants / ParadesMusic FestivalsStreet PartiesArt FestivalsFetes and CarnivalsFarmers MarketsMakers / Artisan MarketsFashion Parades / ShowsCar Bike Show and ShineGaming / Lan Parties
We Can Assist You With The Following Event Insurance For Your Community Group:
One Off Events: Event Public & Products Liability Insurance (cover for up-to one week)
You can have a Public/Products Liability policy to cover you, as organiser of an event for only one day or up to a week. You can be held responsible for things that can go wrong and need this cover.
Event Cancellation Insurance
Cover for financial loss from cancellation of the event for example, due to adverse weather, a fire at the venue where the event is being held, a key performer cancels due to circumstances beyond their control and you are relying on ticket sales to recoup your costs.
As a stallholder you might only exhibit yours goods at a market once, or, on and off during the year. You can get a quote for Public and Products Liability Insurance to cover you exhibiting for up to three days or attending lots of markets throughout the year (annual).
Event Risk Management Advice
On-site safety at your event is vital. At LCIS, we work with thousands of event organisers to understand their unique risks and how we can best cover these with the right level of insurance and provide risk management advice.
Annual Public & Products Liability Insurance
Will cover your defence costs when a member of the public alleges they have suffered bodily injury or property damage because of something you did wrong and they sue you.
Volunteer Personal Accident Insurance
People who volunteer their services for you could be injured. This policy will cover the volunteer for personal injury sustained when undertaking an activity on behalf of your organisation in an official capacity.
General Property Insurance
Covers portable items such as, laptops, mobile phones, sporting equipment, photographic, surveying or video equipment, and mobile plant etc., against accidental loss or damage.
Property and Asset Insurance (Business Pack) can protect your group’s property and belongings from risks of loss or damage associated with fire, theft and accidental damage.
Discover More About Event Insurance For Community Groups and Not For Profits
Understanding Why Public And Products Liability Counts
A Public/Products Liability policy will cover you if you are sued by a third party (such as a member of the public) for personal injury and/or property damage resulting from an occurrence arising from your activities. Such coverage will include in most cases, the payment of your defence costs. If you are found to be negligent, any amounts awarded to the injured party will likely be covered by the policy. This is when having this type of policy counts. Without this cover you would need to pay these defence costs yourself. Can you afford to take this risk? Contact the LCIS team to discuss insurance options to suit your event.
Why You Need Event Insurance
As an organiser of an event, you are responsible to make sure the event goes ahead without any glitches. You would need to make sure you identify, analyse, evaluate and treat all risk management aspects of the event. This could also involve liaising with the relevant Government Departments to utilise their expertise/advice on organising an event, to make it safe for members of the public to attend. Even if you’ve done everything which is considered to be reasonably practicable, things can still go wrong! A Public/Products Liability policy will cover you if you are sued by a member of the public because they were injured or sustained property damage whilst attending an event organised by you.
Download the Event Management Checklist for guidance.
Make sure that other groups who you contract with to exhibit/participate at your event (e.g. stallholders, bands, stage hands, and security) have their own insurance. Liability can come back to you as the organiser of the event if something goes wrong and these groups do not have their own insurance. Do you have a detailed risk management plan in place and has it been implemented? Do you have a contingency/emergency plan in place? Make sure all structures and activities (amusement rides) comply with legislative requirements. Any road closures? Ensure you have very experienced people to manage this and liaise with your local council regarding the same. If the event is cancelled due to circumstances beyond your control and you have spent a lot of money organising the event, how will you recoup these costs? Talk to LCIS and we can arrange cancellation and abandonment insurance.
Understanding Liability Limits
When setting a limit for Public/Products Liability event insurance, one of the first considerations is crowd exposure. If an incident occurs which causes an injury to multiple people, your Limit of Liability (sum insured) could be quickly exhausted. How many people do you expect to attend the event? A higher limit is recommended for large concentrations of people. What types of activities are being conducted at the event? Higher risk activities will present a larger liability exposure. If food is being sold, there is a risk of contamination for example. What if a large group of people suffer food poisoning? If you are sued because something goes wrong at your event, another consideration is the length of time it could take to settle the claim. The accumulation of legal costs over a period of time plus any amounts to be paid to the injured party can add up to be a large sum of money.
Alcohol And Events
All States and Territories around Australia have laws which regulate and control how alcohol is sold, supplied and consumed. When planning an event it is important that you familiarise yourself and comply with the laws in your State to avoid being fined for non-compliance. You have a duty of care as an Event Manager to provide a safe environment for all whom attend. If you elect to contract this part of the event out, ensure you are contracting it out to an experienced operator who is aware of the laws within the jurisdiction where the event is being held and has their own insurances to cover their liabilities.
Why Do I Need Event Insurance On Private Property?
Hiring a property to hold your event? The owner of the property may request you take out a Public/Products Liability policy to secure the venue. Why is this? If something were to go wrong at the event, for example, one of your guests was outside smoking and afterwards did not butt out their cigarette properly, resulting in a fire, the property sustains damage and the owner of the property sues you. Without a policy to cover you, you could be responsible to pay the damages yourself. If any of your guests are injured whilst attending your event they could also sue you. Thus, you should have a policy to cover you.