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

As a small charity, excellent service is very important to us when choosing the right insurance policy for our organisation. Ladbrook Insurance have always been very helpful when guiding us with regard to the best insurance policy.  We have used them as our broker now for three years and will continue to do so.  Their staff always give us the best of attention at all times.

Chloe Palmer, Director, Trent Rivers Trust

After several disappointing experiences with other brokers I found Ladbrook Insurance to be a breath of fresh air! Any queries I have had regarding my policy have been answered quickly and without any hassle.  The customer service is excellent. They have an extensive knowledge of their insurers and found me an excellent policy.  Thank you!

Samantha, Pass on Preloved Items

First class service from an agent who went above and beyond to source the perfect insurance for our charity, FASD Aware Northern Ireland.  Nothing was to much bother and someone was always on hand to answer any questions.  Thank you so much for all your help and for your kind and friendly service

Alison McNamara, FASD Aware NI

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