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Event insurance

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Old king coles View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Old king coles Quote  Post ReplyReply Direct Link To This Post Topic: Event insurance
    Posted: 13 February 2018 at 5:19pm
I'm looking for recommendations, companies I've tried so far are around £300 for a one day event....
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Post Options Post Options   Thanks (0) Thanks(0)   Quote APC321 Quote  Post ReplyReply Direct Link To This Post Posted: 13 February 2018 at 9:18pm
When you say "event insurance" do you mean to insure an event against bad weather for example, or do you want to insure your equipment for use at an event?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Old king coles Quote  Post ReplyReply Direct Link To This Post Posted: 13 February 2018 at 9:30pm
I need 5 million public liability insurance for a reggae and ragga dance ...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote mk2_ginger_biscuit69 Quote  Post ReplyReply Direct Link To This Post Posted: 13 February 2018 at 11:13pm
there's a reason legit events cost so much these days... venues should have their own insurance [hence high venue costs], if you're using a temporary venue then £300 is pretty realistic
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Post Options Post Options   Thanks (0) Thanks(0)   Quote djkeet Quote  Post ReplyReply Direct Link To This Post Posted: 14 February 2018 at 12:12am
In the past ive used http://www.musiciansinsurance.co.uk/liability-cover/ for liability it should work out at between 300-500 for the year they were quite good as they could tailor insurance to your needs
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Post Options Post Options   Thanks (0) Thanks(0)   Quote norty303 Quote  Post ReplyReply Direct Link To This Post Posted: 14 February 2018 at 1:11pm
^^ But that's liability insurance for people doing work at the event.
E.g. me as a supplier have £5m cover through Doodson.

That isn't the same as having liability cover for running the event at the venue.

E.g. what happens if someone hurts themselves on a broken floor tile in the loos. My cover as the lighting guy/soundman isn't going to cover it.

If you're actually talking about liability cover as the provider of the equipment then speak to Doodson. They do a freelancer policy that'll run you about £250 for the year at £5m cover.

As a supplier of kit, you should really have this year round anyway, not just on a per event basis.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote bee Quote  Post ReplyReply Direct Link To This Post Posted: 16 February 2018 at 11:14pm
as above, all system operators should have public liability.
 
event insurance is different and would be needed by even organisers.
 
if your providing sound to an event your organising, you would need both.


Edited by bee - 16 February 2018 at 11:14pm
https://www.elements-audio.com
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Post Options Post Options   Thanks (0) Thanks(0)   Quote James Tengo Quote  Post ReplyReply Direct Link To This Post Posted: 17 February 2018 at 2:06am
In addition to PLI, if you are paying anyone, even if its a token gesture, you need employers liability insurance. You can be fined £2500 a day if you don't have ELI. Even if you consider your help to be subcontractors, if they don't provide their own tools and materials then as "labour only" contractors you require ELI.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Old king coles Quote  Post ReplyReply Direct Link To This Post Posted: 17 February 2018 at 3:23am
Thanks for the replies! I'm the event organiser and providing part of the main rig
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Post Options Post Options   Thanks (0) Thanks(0)   Quote APW Quote  Post ReplyReply Direct Link To This Post Posted: 17 February 2018 at 9:12am
The insurance that DJkeet linked to is expensive for what it is and not applicable as its musicians insurance.

For general DJ/MC, sound-man etc. PL/EL insurance you could look into joining an organisation like SEDA (South Eastern Discotheque Association) or NAD, SEDA membership is £76.00 a year and that includes:
£10m Public Liability Insurance (PLI), £10m Employer Liability Insurance (ELI) and £10m Product Liability.

The SEDA policy is underwritten by Royal & Sun Alliance, and covers the following:
Quote from the policy:
"Business covered
The Insured's occupation as a Disc Jockey (including work as karaoke host, VJ or as a Master of Ceremonies) and/or the dry hire of audio visual and related equipment and accessories and/or the teaching of DJ skills"


You will need to supply them with a valid PAT cert for your equipment.

don't be put off by the name SEDA have members from all over the country.

However, as the organiser of an event you would need in addition separate specialist insurance and £300 seems quite reasonable.


Edited by APW - 17 February 2018 at 9:59am
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Post Options Post Options   Thanks (0) Thanks(0)   Quote norty303 Quote  Post ReplyReply Direct Link To This Post Posted: 19 February 2018 at 1:15pm
But as a sound system or lighting supplier that insurance doesn't cover you as you are neither one of the occupations listed, nor are you dry hiring the gear.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote APW Quote  Post ReplyReply Direct Link To This Post Posted: 19 February 2018 at 1:56pm
I never said it did, read the 2nd and last line of my post.

Originally posted by APW APW wrote:

........
For general DJ/MC, sound-man etc. ........
......

......

However, as the organiser of an event you would need in addition separate specialist insurance and £300 seems quite reasonable.



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