Read the Q&A below to get answers to our most frequent queries.
This FAQ page provides quick answers to common questions about our policies, coverage, claims, and more. If you don't find the information you need here, our customer support team is ready to assist you.
- What types of events can be covered?
We cover a wide variety of events, suppliers to events, sports and community risks. For our full listing click here.
- What types of cover are available for Events?
When you are arranging an event, there are lots of things that can go wrong. Our policy gives you the option to cover Public Liability insurance, Employers Liability insurance, Cancellation Cover and Property Cover. Therefore you can cover things like unforeseen cancellation including costs, damage to equipment or property and injury to the public or to employees.
- What does the Public Liability cover me for?
Public Liability is designed to cover an entity or an individual for their legal liability to members of the public if they are negligent and cause an injury or loss. This could be a customer, an attendee at an event or a member of the public. It protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your activities.
- What level of cover do I require?
The common limits of liability are either €2,600,000 or €6,500,000. The minimum level asked for if working with public bodies is €6,500,000. There is a trend towards the higher limit of €6,500,000. It costs slightly more but buyers of Public Liability insurance should consider the maximum possible loss they could incur and seek advice if necessary.
- What is Employers Liability cover?
Employers liability insurance covers you for your legal liabilities arising from injury to employees resulting from disease, accident, injury or fatality arising from their contract of service working for you. In Ireland Employers liability is not compulsory for employers however it is best practice to protect your employees and your business by having this cover in place.
An employee can be anyone under a contract of service, whether that be a temporary volunteer, a sub-contractor, an intern or full & part-time employees.
In order to obtain a quote you will need advise the number of employees/volunteers you have and the wageroll for them per annum.
- Are Volunteers at the event covered?
It is very important to have Employers Liability for events, even though it's common for events to avail of volunteers and casual labour, these employees should be protect should something happen. To quote Employers Liability for an event we would need to know the maximum number per day and also maximum number for the event duration. You must advise whether the employees/volunteers will be engaged in any manual or clerical work. If it is manual you will have to provide adequate training for them to ensure they know how to carryout the manual aspect of the role correctly.
- What does Event Cancellation cover protect me against?
Cancellation cover protects you in respect of irrecoverable expenses for cancellation, abandonment, curtailment or postponement of your event due to circumstances beyond your control including non appearance of key speaker or entertainer.
Cancellation Cover also includes the costs associated with rearranging the event somewhere else if your original venue can't host it. Upper limits apply on Cancellation Cover so you must be sure you have your costs adequately covered, if you do have to make a claim.
- What is Property Insurance?
Cover for loss or damage to property at your event, including your own property and property you are legally responsible for such as hired in equipment.
- What is a Letter of Indemnity?
It is very common for third parties to request Letters of Indemnity when running events. A letter of indemnity is a letter guaranteeing contractual provisions will be met, otherwise financial reparations will be made. The principle behind a letter of indemnity is the guarantee that losses will not be suffered if certain provisions of a contract are not met. We are happy to provide letters of indemnity to Principals or venues.
- What does the Event Insurance cover?
When you are arranging an event, there are lots of things that can go wrong. Our policy gives you the option to cover Public Liability insurance, Employers liability insurance, cancellation cover and property cover. Therefore your Event Insurance covers problems such as cancellation of your venue, damage to equipment and injury to guests or to employees.
- How far in advance must I purchase my Event Policy for my event to be covered?
There is no restriction as to when the policy starts, except in the event of cancellation cover being required, in which case we require advance purchase of 14 days.
- Who is or should be the "Insured"?
The "Insured" is the person or business or volunteer group in whose name the policy was purchased. In the case of an event the Insured would be the same person or business / organization entity that organises the event or signed the contract with the venue.
- How do I arrange Event Insurance?
Insurers will need the full programme of events and activities when you are arranging your event. Insurers do not automatically cover all aspects of an event or festival each risk is different and will have to be assessed on a case by case basis. When planning an event or festival it is certainly good practice to approach us to go through the details of what activities you are proposing. This will allow you to be given guidance in best practice of both organising and delivering a safe and successful event.
- What do I do if something happens at my event?
It is good practise to have an incident log in place to record all the circumstances of a potential claim when your event is happening. A senior or adequately experienced person should complete an incident log and if necessary record statements from individuals involved, including first aider and any other third parties directly involved. Incidents should be reported to insurers promptly.
- Can I add my suppliers to my liability policy as additional insureds’ or can I purchase a policy in their name?
No. Your suppliers will need their own public liability policy.
- Green Listing- additional activities covered for committees and organizations.
Where we provide annual insurance for committees and festivals we can extend cover to include the following activities when undertaken in connection with your activities, subject to the full policy terms and conditions at all times:
Flag Day, Bag Packing, Barbeque, Table Quiz, Christmas Party, Meetings, Bucket Collection, Leaflet Promotion, Tea/Coffee Morning, St Patrick’s Day Parade Participation (Walking Group Only), Brick-a-Brack/Jumble Sale, Workshop/Lecture or Fundraising Walk. There is a limit of attendance of 100 per event.
- What is a Health and Safety Statement & Risk Assessment?
A health and safety statement is a document which outlines how your entity plans to manage risks and safety. It states the safety goals and outlines the issues that your entity might face in keeping a safe environment or event, both in terms of the public and employees.
A Risk Assessment (which may form part of the Health & Safety Statement or be a separate document) specifically identifies each hazard, assess the risks, identifies the controls to be put in place, the persons responsible and resources necessary to implement your safety plans.
Risk assessments are required by law for workplaces and are required by most insurance companies in their policy wordings as a basic requirement for managing risk.
There are three steps to carrying out a risk assessment: 1. Identify the hazards. 2. Assess the risks. 3 Put control measures in place. There are numerous resources online to guide people and many experienced Health & Safety Experts who can consult on preparing these statements.
- My venue requires liability insurance for my event, including set up and tear down. Can Event Insure provide this?
Our event policy will provide coverage for the period of the event including its set up and take down.
- Is my information secure when I purchase an Event Insurance Policy from your website?
Due to strict insurance regulations your privacy and security is our first and foremost priority. We do not provide your information to third parties. We encrypt sensitive information using secure socket layer technology to protect your data.
- What methods of payment do you accept?
We accept credit or debit cards for online quotes. We also can facilitate direct debit & bank transfers, however this cannot be facilitated online.
- How do I purchase an Event Insurance Policy?
The fastest is way is to complete the online quotation and pay for the policy using your credit card & Documents will be immediately emailed to your email address. You can also contact one of our brokers to complete an application over the phone: 01 838 5604
- How will I receive my Policy?
You will receive your policy immediately online. A copy will also be e-mailed to you when payment is received.