Diamond Jubilee: Protect Yourself Against Party Accidents With Public Liability Insurance
UK insurance website PublicLiabilityInsurance.org urges event planners and party organisers to be aware of their personal liability during the Queen's Diamond Jubilee celebrations.
27 Apr, 2012, 03:00 ET
LONDON, April 27, 2012 /PRNewswire/ -- With the Queen's Diamond Jubilee celebrations fast approaching, PublicLiabilityInsurance.org, a leading resource and quote comparison website for public liability insurance in the UK would like to remind event organisers that they could be held personally liable for any injuries or property damage at their events.
With over 2.5 million people in the UK expected to attend parties celebrating the Queen's Diamond Jubilee in June, accidental injury or property damage is inevitable and public liability insurance (PLI) will offer added peace of mind for event organisers should the worst happen.
Public liability insurance (PLI) will protect event planners should they be sued for injury to a person, or for loss or damage to property.
James Buck, a spokesperson for PublicLiabilityInsurance.org and industry expert, said: "Whilst there is no UK law that makes insurance for these types of events mandatory, as an organiser of the event you could be held personally liable should something go wrong, and having the proper public liability cover in place will give you that added financial protection and peace of mind.
"Organisers can purchase different levels of cover, from 1m pounds Sterling up to more than 10m pounds. How much they need will vary according to the type of event and the number of people going, but we recommend that you contact your local council first as some authorities have taken out blanket cover on behalf of all street parties in their area or have dropped the insurance requirement entirely, and if you live in an area where you need a local authority licence for your event, PLI may be a requirement.
"As with most types of insurance cover it's really a case of planning for the unknown. In terms of what can go wrong, the overall risks at street party events are usually quite low, but that's not to say a claim won't arise from injury or property damage during the party.
"Street parties are a fun and celebratory event, they are not inherently dangerous events therefore in most cases it's the slips, trips and falls (both during the event and setting up) that can cause event organisers legal issues.
"For example, The Royal Society for the Prevention of Accidents (RoSPA) says that almost four in 10 children who hurt themselves on trampolines are so badly injured that they require operations. If you are not fully insured against this kind of accident, the cost of medical bills can snowball.
"In today's society people are increasingly aware of their legal rights and their ability to claim compensation, and we advise that street party organisers seek independent professional advice for their specific event requirements."
Notes to Editor:
PublicLiabilityInsurance.org provides detailed information and guidance on the importance of Public Liability Protection for individuals and small business. We understand that finding the right type of business insurance can be a tricky and somewhat daunting task.
Our aim is to provide individuals with the information they need to choose the level of insurance cover that will protect themselves and their business should the worst happen.
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