The policy must provide cover of not less than £5million against any one accident or series of accidents arising from one incident unlimited during the period of insurance. More cover may be requested for larger higher risk events. The Council / Marketing Blackpool will request that a relevant health and safety risk assessment accompany the insurance documents.
You may find that the organisation, company or charity you are representing or fund raising for already has suitable Public Liability Insurance in place.
Types of insurance cover
The following provides information on four of the main types of insurance. This list is by no means exhaustive and your Insurance Adviser will be able to provide details of cover to meet your requirements.
This covers the insured organisation against claims for injury to third parties or damage to third party property arising from its negligence. Negligence is a legal term that means a failure to exercise the degree of care considered reasonable under the circumstances, resulting in an unintended injury to another party or damage to their property.
This is legally required where an organisation has employees and indemnifies (protects) the insured against claims from employees arising as a result of their employment. It is important to mention it to Insurers if you use volunteers so that they may be catered for by this policy.
This can normally cover buildings and their contents against damage or loss caused by for example: Fire, lightning, explosion, aircraft, malicious damage, riot and civil commotion, earthquake, storm or flood, bursting or overflowing of water tanks, apparatus and pipes, impact, computer, theft, business interruption, loss of revenue and loss of rent.
This insurance is normally only required by premises owners. However, the terms of any lease or hire may make your organisation responsible for damage. This may also apply to equipment you hire.
Motor insurance for injuries to third parties and a third-party’s property is required by law for any vehicle. Where a vehicle is being used for travel associated with an organisation or event, you may require a ‘business use’ extension to your policy. You should check with your motor insurer that you are entitled to use the vehicle in connection with the activities of your organisation.
If the event is cancelled for any reason, such as the weather, you may incur a loss. You can insure against this. Cancellation cover can be obtained for an organised event for unforeseen circumstances such as bad weather