Charity event insurance offers support if you are facing a claim for compensation payable to a third party and if the incident happens during your event. This type of insurance has to be on the agenda early in your event planning process. Running events can be a nerve racking thing at times. There are cases, when things can go terribly wrong and all your plans might get ruined. Always look at the things of what you are planning, what can go wrong and what can you do to guard yourself against any accidents or mishaps? What would you do if your expensive equipment has been stolen or if someone gets injured? Have you ever thought about on how to protect yourself, if you get sued? As an event organiser you have to face these types of challenges. This can be really worrying, if you end up losing entire year’s funding, there might be many who are relying on you.

• Charity event insurance is ideal to provide protection against cancellation, abandonment, curtailment or other mishaps or disruption in any planned event.

• While organising an event, you have to consider a number of areas. For example, there are many volunteers and helpers involved in charity events, so first of all think about the legalities of staffing events in some depth. If you are not sure about something, ask for an expert advice to ensure you are fully covered or not. Regarding the venue or property that you are using, also check the contract to see what your responsibilities are for damages to the property, as in some cases, they may be more than just legal liability exposures.

• Charity event insurance is also meant to offer cover for speakers or entertainers who fail to turn up due to emergency, delays or other problems outbreaks of infectious diseases, terrorism damaging the property or preventing access, adverse weather conditions, strikes and outbreaks of civil disorder which can have indirect effects.

• If you have hired expensive equipment, you should go through the details that are listed in the contracts for hire. If it mentions it’s your responsibility for risks of breakdown or the loss of hire charges under hire agreements, then make sure you have proper insurance policy in case if anything goes wrong.

• Your insurance provider can help you get the competitive rates and the best products. He/she is there to help so give him or her all the details that he or she needs to underwrite the risk. Also tell him or her about the event, and discuss what risks may be involved. You should have appropriate and fully comprehensive charity event insurance in place, if the event includes any dangerous activities such as sponsored bungee jumps, parachute dives or racing of some sort.

Charity event insurance policy is specialised low cost policy, which can be designed to guard you and give you peace of mind and covers losses for events which occur due to unforeseen circumstances.