The special events insurance package is designed to protect you against any financial loss you might suffer if the event you’re organising is cancelled or should a mishap or even a catastrophe occur. In today’s contentious society, many event organisers are always in danger of facing the potential liability suits from contractors, spectators or customers. Even if it’s not their fault, the cost of defense can be devastating. This insurance policy is specifically suited for the complexities and problems that may arise in running an event and can give you a complete peace of mind while you concentrate on event planning. In this day and age, when everyone seems in a rush, accidents can happen anywhere, anytime, and this cover is a simple, reliable and affordable solution to protect your business or organisation if it is held liable for property damage or bodily harm.

• A special events insurance policy covers all the expenses incurred as a result of cancellation of events or if the equipment that you have bought or hired is stolen, lost or damaged. This type of policy is especially designed for church groups, charities, not-for-profit organisations and voluntary groups, who would like to plan and organise indoor or outdoor events. This cover is limited to claims that occur during the effective period of the policy and are made not later than twelve months after the expiration of the effective period of the policy.

• You can get cover for activities such as, bazaars, barbecues, car boot sales, concerts, conferences, craft exhibitions, dances, garden parties, shows, celebrations, fetes, exhibitions, fund-raising events (this might exclude any hazardous activities), joint church activities or jumble sales, seminars, sponsored walks etc

• If you are organising multiple events throughout the year whether you are a professional organiser or not, a special events insurance policy will be an ideal solution for you. This will be quite cost effective for you and you can benefit a lot from the reduced pricing on multiple events.

• You can get optional forms of cover, such as property cover or cancellation cover depending upon your requirements. As an organiser, you need to consider the operating costs against the premiums required as well as the costs of the claim that could be devastating if adequate insurance has not been purchased. Always, be certain that the per-occurrence and aggregate limits needed by your venue is in line with your insurance policy.

• You can always get a separate insurance certificate depicting the additional insured by your insurance company, if you need one. Premium costs are usually based on the type of the event, the anticipated number of guests or participants, as well as the number of days. Most companies offer considerably lower premiums on these policies than any other similar policy you could buy as an individual on the open market.

A special events insurance cover may also protect you from certain kinds of claims that occur as a result of mishaps taking place during the event.