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?