Public Liability Insurance

Horace

I work as an Events Consultant and part of my job is to ensure that my company is adequately covered for events that we may hold (I am not trying to sell anything). I am looking for a yearly public liability insurance policy which would be cheaper than taking out insurance for each event. Does anyone know where I can get such insurance from? I tried Hiscox but they only do single event insurance as opposed to a yearly policy.

Any advice would be appreciated.

Thanks Horace

mattymoo

You would need to speak to an insurance broker for this since many "package" type policies will be a one size fits all approach and I doubt the type of work you do will fit.

A lot will depend on the type of work you do. If it involves fireworks, outward bounds type courses, sports activities or work abroad, you could be looking at some serious outlay.

If you are just looking at weddings, parties and corporate hospitality, any broker should be able to arrange this for you. Have you approached the firm that does your employers liability covers?

Horace

Matty, I have a sneaky suspicion that my employer doesnt have any liability insurance whatsoever:eek: It's a relatively new company that seems to fly by the seat of its pants and so far has come across as being somewhat disorganised but the new employees in the Birmingham office intend to put that right.

The sorts of things I would be organising are - artwork sales and summer schools for chinese students (no fireworks involved).

Thanks for your advice, I will look at some brokers to see what they say.

mattymoo

"schools" = ££££ as far as insurers are concerned. Are you renting space on a uni campus or similar as opposed to having your own bricks and mortar premises?

If you are dealing with under 18's then you need to have child abuse policies in place.

As for the lack of EL cover, it is a legal requirement to display a certificate of cover at each business address of the company. If it is not their, you are entitled to ask for it.

mattymoo

Found this firm - http://www.robertson-taylor.co.uk/indexii.html

via their association with this site - http://www.aeo.org.uk

Horace

Matty - re the schools we will be renting uni campus premises. The kids will be about 18 (if they can be called that at that age) but as we work with deaf kids getting the police certification or whatever its called isn't a problem.

Thanks for the link for insurance as well as the tip about EL - I will ask when I go into work tomorrow.

:beer: