IN THE PUBLIC ’ S INTEREST – A GUIDE FOR MUSIC AND LIVE EVENTS
Entertainment insurance , which has been around since the late 60s , has evolved to offer comprehensive cover for several risks that the Entertainment ecosystem faces . One such offering is exposure to liability claims , an area where Public Liability Insurance is essential .
Experts at Tysers Insurance Brokers have put together this guide to help you navigate everything you need to know about Public Liability Insurance :
When do you need Public Liability Insurance ?
Wherever members of the public gather to enjoy a festival , concert or other live event there are potential risks to safety and property . Public Liability Insurance is an essential cover for any performance or live event , and can provide protection from potentially costly claims .
What is a Public Liability Claim ?
A Public Liability Claim occurs when a third party alleges injury or damage to his or her personal property caused by a company or individual . Injury claims can range from slips , trips and falls from alleged unsafe floors or trip hazards , to loss of life caused by accidents and unsafe conditions . Damage to property claims can also become costly if highvalue personal items , such as cars , properties or specialist equipment , are damaged .
Who needs Public Liability Insurance ?
Public Liability Insurance provides protection against compensation claims , or the cost of legal action if a member of the public is injured whilst attending an event . Public Liability Insurance is essential for venues hosting events where the public will be in attendance , and for event organisers .
It is highly recommended that musicians , artists and performers take out their own Public Liability Insurance to protect themselves against any liability claims in the event of an accident during a performance . Many venues and organisers require musicians to have Public Liability Insurance and may refuse to book those without adequate cover .
Freelancers and contractors involved in music and live events in any capacity are also advised to take out public liability cover to protect themselves against claims . Those involved in building stages and rigging lighting equipment for example , may be at risk of a claim if a stage collapses or a lighting accident injures a member of the public .
Public Liability Insurance for events
There are several important factors that need to be considered when taking out Public Liability cover for an event including :
• The Venue
• Location
• Outdoors vs Indoors
• Staging and Performance
Any Public Liability policy may be subject to conditions and exclusions which mitigate the risk for insurers and underwriters .
Why Tysers ? Expertise | Experience | Knowledge
Tysers is an established Lloyd ’ s broker , trading for more than 200 years and offering specialist solutions and expert advice on insurance and risk management .
We arrange cover for some of the biggest worldwide events in the calendar and insure some of the most prestigious international artists . Our team of experienced brokers can advise the best cover for your needs and ensure you have the right protection in place .
Contact one of our team who will be happy to help with all your insurance needs .