Short-Term Public Liability Insurance

Get temporary cover for specific jobs, projects or events and only pay for the cover duration you need.

Short-Term Public Liability Insurance

Get temporary cover for specific jobs, projects or events and only pay for the cover duration you need.

Whether you are self-employed, a sole trader or work in events, sometimes all you need is temporary cover.

Whether it's for a single day, a week, or a few months, Mode Insurance offers tailored short-term Public Liability insurance that fits your unique requirements.

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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 Short-Term Public Liability Insurance?

There are moments when long-term commitments aren't necessary. Perhaps you're hosting a one-off event, taking on a short project, or renting equipment for a limited time. In such cases, a short-term insurance policy means you are protected without the burden of a year-long commitment.

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Customise Your Coverage Duration

With Mode Insurance, flexibility is at the forefront. Our policies can be tailored to your exact needs, whether it's for a single day or up to 180 days. From 7 days to 78 or even 104, you decide the duration that best suits your project or event.

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One-Off Events and Daily Coverage

Organising a special event or a unique project? Our Public Liability and Equipment insurance policies can be tailored for just that single occasion. No long-term strings attached.

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Short Term Equipment Insurance

Every project has its unique requirements. Sometimes, it involves renting additional equipment. With Mode's short-term equipment insurance, rented gear is treated as your own for the agreed-upon duration. Just make sure the combined value of owned and rented equipment stays within your cover limit. For instance, if you have £30k of your own equipment and rent an additional £5k, make sure you have a cover limit of at least £35k. Need to adjust your limit? Just let us know.

If you are hiring equipment in and you don’t have insurance with us, you can simply purchase short term equipment cover and, within a few minutes, you can have up to £50,000 of equipment cover with an insurance schedule you can send directly to the hiring company.

Why Choose Mode Insurance?

  • Flexibility - choose the exact duration you need, from one day to 180 days.
  • Comprehensive protection - whether it's Public Liability or Equipment cover, we've got you covered.
  • Simple process - get a quote in minutes and secure your coverage instantly.
  • Tailored solutions - every project is unique, and so is our insurance solution for it.

Don't let the uncertainty of short-term projects or events weigh you down. With Mode Insurance, get the precise coverage you need, when you need it.

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

Why You Might Need Short-Term Public Liability Insurance

There are many reasons and situations why freelance and self-employed creatives might need Public Liability insurance for only a short period of time.

For instance, short-term insurance can be useful when you're just starting out and you land a new contract, as it can help with budgeting and managing your expenses going forward.

Organising a production or shoot? Sometimes you will need the cost of insurance to include in the budget of a production, with short-term Public Liability insurance you can provide the exact cost to your client and any extras you may need - like insurance for equipment you’ve hired in for the job.

One Day Public Liability Insurance

Whether you are operating a pop-up shop, a market stall, a day-long workshop or attending an event, you may need temporary cover for any accidents that might occur on that specific day.

Mode Insurance can offer Public Liability insurance for just one day. This can help to cover against claims brought against you for things like personal injury caused to a member of the public or third party, or damage caused to someone’s property when conducting your business activities during a one-day event.

It is also quite common to purchase Public Liability insurance cover for one day as part of the contractual requirements of event organisers, clients, partners or venue you wish to use.

Public Liability Insurance for a One-Off Event

If you are attending a one-off event, you may require temporary Public Liability insurance to cover you for the period of time you are at the event.

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 Public Liability insurance for your one-off event, helping to make sure that it's 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 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.

Short-Term Public Liability Insurance FAQs

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

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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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How much is Public Liability insurance for one day?

The cost of one-day Public Liability insurance can vary depending on the nature of your business activities. Mode Insurance offers competitive and customisable quotes so that you only pay for the coverage you need.

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How much is Public Liability insurance for a one-off event?

The cost of Public Liability insurance for a one-off event is determined by several factors, including the size of the event, the location and the activities involved.

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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. However, the industry standard is often to have a limit of £5 million.

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Can I extend my temporary Public Liability insurance if my event lasts longer than expected?

If your event extends beyond the initial planned duration, it's not possible to extend your Public Liability insurance. You will need to purchase a new policy from the date your previously policy expired.

Contact us as soon as possible to adjust your coverage accordingly.

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How quickly can I get covered by Mode Insurance for a short term event?

Mode Insurance offers swift and efficient processing, allowing you to get covered and receive your Public Liability certificate in a matter of minutes.

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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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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.