Public Liability Insurance For One-Off Events

Specialist cover designed to protect creative freelancers and professionals when attending a one-off event.

Public Liability Insurance For One-Off Events

Specialist cover designed to protect creative freelancers and professionals when attending a one-off event.

Flexible Public Liability insurance for creative workers who only need it for a one-off event

With every event comes the potential for unforeseen incidents. With Mode Insurance you can get Public Liability insurance for your one-off event so it remains memorable for all the right reasons.

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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 Choose Public Liability Insurance for Your One-Off Event?

One-off events, while exciting, come with their own set of challenges and risks. Here's why securing Public Liability insurance for attending an event can be important.

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Venue Requirements

Many venues require event organisers and participants to have public liability insurance as a prerequisite for renting their space.

This protects both the venue and the organiser from potential claims.

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Accidental Damages

From a guest accidentally breaking a valuable piece of art at an exhibition to a stage malfunction at a concert, accidents can happen. Insurance provides cover so you're not bearing the brunt of the repair or replacement costs.

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Injury Claims

Imagine a guest tripping over a cable at your product launch or your stall causing damage to the event space floor. Public Liability insurance can cover third party medical costs and protects you from potential legal claims.

Every event is unique, and so should be its insurance coverage.

Whether it's a corporate seminar, a charity gala or a pop-up market, Mode Insurance offers tailored solutions to fit the specific needs of your event.

Benefits of One Off Event Public Liability Insurance

  • Instant Coverage - secure your protection swiftly, ensuring every aspect of your event is covered.
  • Cost-Effective - get comprehensive coverage without unnecessary add-ons, ensuring you only pay for what you need.
  • Expert Guidance - our team is available to guide you through the process, ensuring your event's unique needs are met.
  • Peace of Mind - with insurance in place, you can focus on making your event a success, leaving the worries of potential liabilities to us.

Why Choose Mode Insurance?

  • Specialised Solutions - we understand the nuances of one-off events and offer insurance solutions that cater to their specific challenges.
  • Quick & Hassle-Free - no lengthy processes. Get your coverage swiftly and efficiently.
  • Dedicated Support - our team is on standby, ready to assist and answer any queries you might have.

Securing Public Liability insurance for your one-off event with Mode Insurance is straightforward.

Choose your coverage, provide details about your event and get your policy instantly. Should you need to adjust any aspect of your coverage, our team is just a call away.

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 I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

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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.