Public Liability Insurance for Events

Flexible cover for creative professionals when attending events - choose how long your cover lasts and how much you need.

Public Liability Insurance for Events

Flexible cover for creative professionals when attending events - choose how long your cover lasts and how much you need.

Flexible Public Liability insurance for creative workers who only need it for a certain event

If you are a self-employed professional showcasing your craft at an event stall, unforeseen incidents can occur.

Public Liability insurance provides cover so that your event remains memorable for all the right reasons.

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What is Public Liability Insurance for Events?

Public Liability insurance for events is designed to protect against the financial fallout of accidents.

It covers compensation and defence costs if, during the event, someone is injured or their property is damaged due to your actions or negligence.

From a guest tripping over a cable to damage to a venue's wall, this public liability insurance can offer cover so you are not financially exposed.

Why Event Participants Need Public Liability Insurance

Participating in an event exposes you to a different set of risks. Public Liability insurance:

  • Covers you in case someone trips over your display or gets injured by your equipment.
  • Protects against damage claims if you accidentally damage a venue's property or another exhibitor's booth.
  • Fulfils event requirements as many event organisers require participants to have a certain level of insurance.

Understanding the Costs of Public Liability Insurance for your Event

The cost of Public Liability insurance for events varies based on the event's scale, duration and inherent risks. When determining the cost of cover for your event you should take into account:

  • The nature of the event - a music festival has different risks compared to a book fair, for example.
  • What venue it is in - as indoor venues might have different challenges than outdoor ones.
  • How many attendees are expected - as more people can mean increased risks.
  • Your role as a supplier at the event – if you are the event organiser or a lead contractor, your insurance will likely cost more than that of a single freelancer who is doing the event photography.

Mode Insurance offers customised quotes, ensuring you get the best value for your specific needs.

Why Choose Mode Insurance?

Events are all about creating memories and experiences.

With Mode Insurance, you're not just getting coverage – you're gaining a partner who understands the intricacies of event participation. Get cover so your event can be remembered for its success, not its setbacks.

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 a One-Off Event

If you are participating in a special, one-off event, it can be wise to consider temporary Public Liability insurance for the duration of the event. Even the most carefully planned events can face unforeseen challenges or accidents.

Mode Insurance offers customised Public Liability insurance solutions for such unique events, ensuring that your involvement leaves a lasting, positive impression. This includes coverage for market stalls at events as well as sound engineers, videographers and more, whether it's for a single day, multiple days, or longer.

Event organisers will often require stallholders, freelancers and any other businesses working at the event to have a valid Public Liability insurance policy, and you might also want to secure one for your own peace of mind.

When you purchase your Public Liability insurance policy with Mode insurance you will receive a Public Liability certificate, confirming the dates when the policy is valid, the amount you are covered for and your business name. You can then send this straight on to whoever needs it.

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.