One Day Public Liability Insurance

Get covered for one-day events, projects and jobs and only pay for the cover you need.

One Day Public Liability Insurance

Get covered for one-day events, projects and jobs and only pay for the cover you need.

Flexible Public Liability insurance for creative workers who only need it for one day

Whether it's a pop-up shop, a one-day workshop or a special event, you want to cover your single day in case of an accident.

With Mode Insurance, you can get Public Liability insurance for one day - allowing you to concentrate on getting the job done.

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What is Public Liability Insurance?

Public Liability insurance provides protection against claims made by students or third parties for injuries or property damage that might occur during your classes, workshops or performances.

It's designed to cover the legal and compensation costs that arise from such claims.

Why One Day Public Liability Insurance?

Every event, no matter how short, carries its own set of risks. A lot can happen in 24 hours, and it's essential to be prepared for the unexpected. Here are some real-world scenarios where having one-day Public Liability insurance can be the right option for you:

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Pop-Up Shop Mishaps

Imagine you've set up a pop-up shop for a day. The floor accidentally becomes wet and before you have a chance to clean it up a customer slips and injures themselves. With one-day Public Liability insurance, you could be covered for any potential claims brought against you from a member of the public.

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Workshop Woes

You're hosting a one-day workshop and a participant accidentally knocks over a stand, damaging someone else's belongings. Your one-day cover can mean you're not out of pocket for the damages.

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One-Day Shoot Cover

You are working on a one-day photoshoot for a brand on a busy street. As you are lining up a shot you bump into a member of the public and damage their phone. Public Liability from Mode Insurance can protect you against claims resulting from damage or injury you or your business causes to the public.

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Venue Damages

You've rented a venue for a day-long seminar. During the event, a piece of your equipment falls and damages the venue's floor. Your one-day Public Liability insurance covers the repair costs, ensuring your relationship with the venue remains intact.

These examples underscore the unpredictable nature of events, no matter how well-planned. One-day Public Liability insurance provides cover so that, while the event may be temporary, your peace of mind is constant.

Perfect For:

  • Pop-Up Events - from art exhibitions to food stalls, cover your pop-up event from start to finish.
  • Workshops & Seminars - educate and engage without the worry of potential liabilities.
  • Private Functions - celebrations, reunions, or any personal gathering that requires that extra layer of protection.
  • Photo & Film Shoots - capture the perfect shot without the worry of potential damages or claims.
  • Working on Bigger Sites and Contracts - as many will require you to show your Public Liability Insurance Certificate

Benefits of One Day Insurance:

  • Instant Protection - secure your coverage in minutes, tailored for your one-day event.
  • Cost-Effective - pay only for the protection you need, without long-term commitments.
  • Comprehensive Coverage - from third-party injury claims to property damages, we've got your day covered.
  • Peace of Mind - focus on making your event memorable, knowing Mode Insurance has your back.

Why Choose Mode Insurance?

  • Tailored Solutions - every day is unique, and so is our insurance solution for it.
  • Quick & Hassle-Free - no lengthy paperwork. Get covered in minutes.
  • Expert Support - our team is on standby, ready to assist and answer any queries you might have.

When you purchase your one-day policy, you will have access to your Public Liability Certificate in a matter of minutes. If your event then extends beyond the expected time, you can pop back on and get another quote. If you know you need cover for longer, you can simply select more days for your cover to be in place.

Every moment counts, especially when it's just for a day. Don't let unforeseen challenges disrupt your special event. With Mode Insurance, you're not just getting a day's cover – you're ensuring that your day goes off without a hitch.

How Much is Public Liability Insurance for One Day?

The price you pay for one day Public Liability insurance can depend on factors such as the nature of your work, what business activities you will be undertaking that day and so on.

Example Insurance Packages

Base Insurance Additional Insurance Duration Price
£2m Public Liability cover£10k Equipment cover UK & EU1 Week£73.92
£1m Public Liability cover£5k Equipment cover UK & EU1 Year£140.00
£5m Public Liability cover£5k Equipment cover UK & EU1 Year£212.80
£5m Public Liability cover£50k Equipment cover UK & EU3 Months£716.80
Base Insurance Additional Insurance Duration Price
£2m Public Liability cover£10k Equipment cover UK & EU1 Week£73.92
£1m Public Liability cover£5k Equipment cover UK & EU1 Year£140.00
£5m Public Liability cover£5k Equipment cover UK & EU1 Year£212.80
£5m Public Liability cover£50k Equipment cover UK & EU3 Months£716.80

Public Liability Insurance for Events

If you are participating in an event – for example as a stallholder – then you may be subject to a different set of risks. Temporary Public Liability insurance for the day could:

  • Cover you in case someone trips over your display or gets injured by your equipment.
  • Protect against damage claims if you accidentally damage a venue's property or another exhibitor's booth.
  • Fulfil event requirements as many event organisers require participants to have their own Public Liability insurance.

Each event represents a blend of meticulous planning, dedication and eager anticipation, particularly when it's a unique and one-off occasion. However, no matter how well-planned they are, all events carry the possibility of unexpected mishaps.

Mode Insurance can provide tailored Public Liability insurance for your one-off event so that it is remembered positively.

This can also include Public Liability insurance for market stalls, whether you have a market stall at an event for one day, several days or even a month or more. The market organiser may require you to have a valid public liability insurance policy in place, or you may want to purchase a temporary policy for your own peace of mind.

Public Liability Insurance FAQs

Below we have listed the most common questions we get from self-employed creatives about Public Liability Insurance. For more information, read our guide: Public Liability Insurance: Everything You Need to Know

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Do I need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

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How much Public Liability insurance cover do I need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

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How to get Public Liability insurance?

With Mode Insurance you can get a quote and buy your cover online in a matter of minutes. Start your quote now.

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Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

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Is Public Liability insurance tax deductible?

Yes, Public Liability insurance is typically tax deductible as a business expense. This means the cost can be offset against your business's taxable profits.

It is important to remember that most insurance policies are not subject to VAT as Insurance Premium Tax (IPT) is applied.

We recommend speaking to your accountant about this if you have more questions.

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Does Public Liability insurance cover damage to a client's property?

Yes, Public Liability insurance typically covers accidental damage to a client's property caused by your business activities, offering financial protection against such claims.

Some exclusions do apply so we always recommend you check your policy documents for more information.

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What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

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Can you get Public Liability insurance for a month?

Yes, it is possible to get Public Liability insurance for one month if that is all you need cover for. However, at this length of time it’s also worth checking to see if it is more cost-effective to purchase a yearly policy – especially if you think you may need several temporary policies over the course of a year.

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What is the minimum Public Liability insurance in the UK?

In the UK there is no legally mandated minimum level for Public Liability insurance. Depending on where you work and if someone is asking for you to have insurance in place, £5,000,000 is usually a widely accepted amount.

Some large venues like sports stadiums, arenas, conference buildings and other large-scale venues may require you to have £10,000,000 of cover in place.

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What happens if I don't have Public Liability insurance?

Without Public Liability insurance, you could be financially responsible for any claims made against you for injuries or damages caused during your event or business activities.

A claim could be brought against you for compensation and the costs and expenses someone has incurred. This can lead to significant financial strain, especially if the claims are substantial.

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Is Public Liability insurance mandatory for events in the UK?

While not legally mandatory, many venues and organisations may require you to have public liability insurance to attend and work at the event, as it can protect against claims for injuries or damages occurring on the premises.

*Public Liability Insurance for 1 day with a limit of £1,000,000, subject to acceptance criteria