Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • It is important to conduct risk assessments on your event and consider what might go wrong.  Public liability insurance will protect you financially from claims made by injured third parties.
  • Many events are organised in hired premises and liability insurance will also protect the event organisers in case of the property owner bringing claims for damage made to the property.
  • Most insurance providers exclude volunteers from public liability cover and so employers liability insurance extends protection for the group for a claim for injuries made by an event volunteer.

Summer Fete Insurance | Street Party Insurance

Summer fetes and street parties are great British traditions and voluntary groups organise thousands of these community events to help cohesion, raise funds and brighten up their locality.

As a management group, while it is quite right that you want to put the most energy into raising funds, promoting the summer fete and organising the event, it is important to consider insurance for your summer fete too.

At Ladbrook, we are third sector specialists and can advise you on a single event policy or an annual policy covering wider activities, if appropriate.


Marie Hallowes

Operations Director

Summer fete insurance is an important consideration for any community group staging an outdoor event.

Marie Hallowes, Operations Director

Customer Reviews

Doodleaid would like to thank Ladbrook for their service, professionalism, speed of service and friendliness.  All staff were very helpful and we would have no hesitation in recommending Ladbrook.

Bev, Doodleaid

Very many thanks for getting the paperwork back to us today.

Sylvia also asked that I send the thanks and appreciation of everyone connected with Mental Health Aberdeen, for the skillful negotiations you have demonstrated – as evidenced by the affordability of our new policy. We shall certainly be recommending your brokerage, but especially the efficiency and friendliness of your team, to other charitable organisations in our area.

I hope you have a great weekend and once again, thank you all so very much.

Bea, Mental Health Aberdeen

We have just finalised our 7th annual insurance renewal through Ladbrook Insurance and are very happy with the service received. The Account Handlers have always striven to offer competitive quotes and answered any queries or given further explanations by email or phone as appropriate and we have found this personal touch not only professional but also very reassuring


Summer Fete Insurance | Street Party Insurance

Insuring a summer fete or street party is an important consideration for any management group.  Often public liability insurance will be insisted upon by either a local council or a third party provider of premises such as a village hall.

Cover can be extended to include the liabilities to volunteers who may seek damages from the event organisers if they were injured.  Of course such occurrences are rare and all event organisers should consider health and safety and conduct a considered risk assessment as part of the event preparations.  The Health and Safety Executive provide great online guidance for risk planning for an event.

In addition to the liability to the public and volunteers, event organisers might also have concerns over equipment in use.  Speakers, laptops and the like that belong to the community group can be insured under an event insurance policy.

Community groups can either organise a single summer fete insurance policy for a one off event or an annual policy that can cover the group in it’s wider activities.  Often there is little difference in the cost.  If a single summer fete insurance policy is the most suitable for your committee, then we would recommend organising cover early in the process.

Summer Fete / Street Party Insurance Considerations

  • A member of the public at the event suffers an injury through an accident, your group could be sued for compensation
  • If an event organiser, employee, steward or a volunteer suffers an injury, they might sue for compensation
  • Event cancellation – Extreme weather may cause an abandonment, particularly if the event is outdoors, you can opt to include event cancellation insurance for your summer event.
  • Damage to your a third party property.  The property owner may seek compensation for damage to the venue, fixtures and fittings.  As well as buildings, this might also include property which you have hired in.

Inflatables at Summer Events

A particular element of risk at a summer event is the Bouncy Castle.  If a third party is operating a bouncy castle, then it is important to use a reputable company who will manage the usage of the equipment and provide their own insurance cover.

Injuries to children do occur on badly managed bouncy castles.  We provide some additional guidance for bouncy castle event insurance here.

See also: Does my event need insurance?

Insurance for Firework Events

Risk and Insurance at Community Events

Guide for Voluntary Litter Picking