Public liability insurance for events

Provide us with your details and one of our insurance experts will contact you to discuss your requirements

Success

Thanks for registering.

We'll get back to you straight away

Mike maur
It's been a pleasure dealing with Elizabeth, Def a Gem for her business. Amazing communicator and process dealing with all the paperwork was made easy and stress free. Keep it up !
Nov 28, 2024
Nasir Abbas Kazmi
I applied vehicle Finance through Swoop & lady Ikra help me from Beginning to end,she s very professional & helpful. Its just took 3 to 4 days & now i got new vehicle. I received Best customer services from Ikra & High recommend for this Swoop Finance.
Nov 26, 2024
Hazel Cuizon
Ayesha was very prompt and friendly to deal with and answered all my questions in a timely and professional manner. Very happy, highly recommend 🙂
Nov 24, 2024
Andrew Frazer
Cynthi was a fantastic help in organising what was needing and obtaining finance
Nov 8, 2024
Chris Skeates
Predrag and the Swoop team have been outstanding. Very attentive to our needs and staying on top of our funding request with their partners.
Oct 24, 2024
Leo Tsuo
Great experience. They quickly understood my needs and was fast to find a lender that met those needs. Highly recommend
Oct 22, 2024
Kash De Silva
I had a fantastic experience working with Elizabeth Tan for my business lending needs. She provided exceptional support and guidance, helping me navigate the process with ease. Her expertise and dedication were instrumental in taking my business to the next stage. I highly recommend her to anyone looking for lending assistance!
Oct 15, 2024
Shannon T
Cynthia has gone above and beyond, explained the process, consequences, and found me the most suitable solutions for my business in a very busy time! I found the help (even before I was guaranteed to use them) invaluable and the help made all the difference!
Oct 9, 2024
Jon Marc
Swoop came in at just the right time and there help was very much what took me over the hump to expand. They really know how to help and they follow up and make sure you’ve been taken care of!
Oct 8, 2024
Tendekai Mutemeri
Would recommend anyone to use my lovely lady, she went above and beyond to get me my business finance, the response when I had a question about anything and everything was on point, got me the deal I could have asked for, please use her services 🙂 😊 😀
Sep 6, 2024
North-CM
Ikrah was really phenomenal in providing finance for our company. Her communication was absolutely brilliant. Ikrah surpassed our expectation and really went above and beyond in ensuring all our needs were met as a business and we were satisfied on a whole. Absolutely pleasure to deal with Ikrah I shall ensure to pass your details on with other business associates. By far the best service I have ever been provided with…. 10/10
Sep 6, 2024
Aldo
Absolutely wonderful service. Cynthia was proactive, professional and 100% committed to get the best result for my company. I have not seen this performance in other companies in the last years and I am very difficult guy to deal with. Keep doing what you are doing Cynthia great job. Thank you.
Aug 29, 2024
Andy De Silva
Very helpful team I was kept in the loop throughout the whole process very happy with the APR rate quoted & received for my business loan I would certainly recommend using Swoop & will use again for future business development loans if required.
Aug 16, 2024
Consumer
Cynthia was fantastic! So quick and efficient at sorting out our finance and getting the best rate possible! Highly recommend.
Aug 12, 2024
Uchenna
Dave Cummings was amazing with helping my business secure funding for a company car. He was very patient and pleasant to work with. I highly recommend Swoop Finance for your business.
Aug 1, 2024
Brian Hardy
Working with Swoop made things easy, he provided us with two solutions to have available to support our growth and they work well. Having connections across North America (even Mexico) and beyond, definitely recommended.
Jul 31, 2024
Michael Fisher
Extremely quick quality service, Adrian was first class in answering any queries I had regarding the finance he had arranged for us. The whole process was pretty painless. Would most definitely recommend Adrian and Swoop
Jul 31, 2024
ACU
Fareeha's turnaround time in getting back with me after my initial call with her was very expedited and an overall great experience. Her overall efficiency, precision, and customer service is impeccable. I am thankful that she took my initial call (by way of Evelyn - Another 5 Star Swoop Employee). It has been a peaceful & solution-oriented experience thus far!
Jul 26, 2024
ACU
Evelyn was very informative and helpful in my first time contacting Swoop. She was very transparent and honest in her interactions and responses. Very on point employee in your company!
Jul 24, 2024
DriveNet, Ltd
I worked with Pedja at Swood to secure a term loan with BDC. What Pedja did that I could not was find the right contact at BDC to speak to. I had actually spoken to BDC before speaking to Swoop and they passed on partnering with us. Sometimes with financing it is who you speak to and Pedja introduced us to his BDC contact who was able to help us secure funding. It was as simple as an introduction but it made all the difference.
Jul 23, 2024
    Add a header to begin generating the table of contents

    Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025.

    Read this article to me

    Everybody loves a good event, but if you’re the event organiser you face high business risk. Accidents can happen, errors can occur, and omissions can leave you promising more than you can deliver – all of which have the potential to create catastrophic financial impact for your business. Public liability insurance for events is designed to eliminate these worries, leaving you to stage a great event and the policy to take care of any problems.

      Add a header to begin generating the table of contents

      What is public liability insurance UK?

      Public liability insurance is a type of business insurance that can protect organisations if someone is injured, or their property is damaged because of the services that you or your business provides. This type of cover, also known as PL or Liability Insurance, is designed to protect your company against third-party claims for injuries or property damage from a customer or client, passer-by, or a visitor to your business premises – whether you’re at fault or not.

      What is public liability insurance for events?

      Public liability insurance for events can protect event organisers, (and the event itself), against claims from members of the public for injury, illness or accidental damage. For example if your event causes property damage to nearby residents or landowners, or someone is injured by event participants or faulty equipment, you may be legally liable and vulnerable to compensation claims that could run into the tens or even hundreds of thousands of pounds. 

      When should you get public liability insurance for an event?

      If you’re planning an event it’s never too soon to get public liability cover. The last thing you need during a very busy period is to be seeking insurance at the last minute, You may also find that venue owners and landowners will not let you stage or even advertise the event until you have this cover in place. If you intend to include cancellation cover in the policy, that should also be purchased as soon as you plan the event. That way you know you can publicise the show but know you will be covered if circumstances change and you are unable to stage the event. 

      Top tip: If you plan to stage events on a regular basis, it may be more economical to buy an annual PL policy, setting cover limits that will protect different types and size of event throughout the year.

      What other insurance do I need for an event?

      The other essential insurance you will need is employers’ liability insurance. This is a legal requirement for most UK employers. EL protects you and your employees, (including those who no longer work for you and part-time event workers), should they be injured or become unwell as a result of working for your business. EL typically covers the associated legal and compensation costs of any claim, but it can also cover accidental injury or damage caused by an employee to a third party, such as your event customers. 

      How does public liability insurance work?

      Public liability insurance is a defence against claims resulting from accidental personal injury or property damage incurred by third parties in the provision of the services your business provides. The PL claims process involves:

      Notifying your insurer of claims – in the event that a third party makes a financial claim against your business for personal injury or property damage, you should immediately notify your insurer and provide the following information:

       

      1. Your name and company details 
      2. Your insurance policy number and contact details
      3. Details of the event
      4. Details of the person or entity claiming against you
      5. Details of the incident including: the date, time and place it occurred, how it happened, details of damage, estimates of damage repairs (if possible)

      Negotiation of settlement – after receiving your information, your insurer will investigate the claim and if it has merit, calculate an initial offer of compensation. The claimant may accept this offer or make a counter-offer, resulting in settlement by mutual negotiation. Either way, you will not be responsible for paying the final compensation amount beyond any excess that you have agreed to pay.

      How much event public liability insurance cover will I need?

      It all depends on the event. Some carry more risk than others and some will attract more attendees than others. For example, a charity event might only be attended by a few dozen people, but a rock concert may bring in 100,000 or more. You can buy public liability event insurance up to £10million in cover, but the actual value you need will be determined by the unique characteristics of your show. If you are unsure how much cover you need, simply register with Swoop to discuss your options with an expert public liability insurance adviser.

      What does public liability insurance for events cover?

      Public liability insurance will protect you, your business and the event if someone other than an employee is injured or killed or suffers personal property damage caused by the event and the services and products your business provides. You need public liability insurance for:

      • Festivals and live music events
      • Sports events
      • Charity events – including fun runs
      • Theatre events
      • Screenings, openings, gala events
      • Parties, carnivals and fetes
      • Conferences and exhibitions
      • Weddings and other ceremonies
      • Company outings and off-site visits

      How much does event public liability insurance cost?

      Public liability event insurance can cost as little as £69 per event. However, the premium you pay will depend on a range of unique factors, such as the type of event you are staging, the risk levels included with the event, the event location and the estimated number of attendees.

      How Swoop can help

      All business involves risk, but that doesn’t mean you have to suffer the consequences if things go wrong. Don’t let an accident, mishap or error put the dampers on your big event. Contact Swoop today to compare top-quality public liability event insurance from a range of providers and to discuss all your business insurance needs. 

      Written by

      Chris Godfrey

      Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.

      Swoop promise

      At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple – to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.

      Find out more about Swoop’s editorial principles by reading our editorial policy.

      Get in touch today to start your business insurance quote

      View more Get a quote

      Clever finance tips and the latest news

      delivered to your inbox, every week

      Join the 70,000+ businesses just like yours getting the Swoop newsletter.

      Free. No spam. Opt out whenever you like.

      We work with world class partners to help us support businesses with finance

      Looks like you're in . Go to our site to find relevant products for your country. Go to Swoop