Event Liability Insurance

Event Liability Insurance – What is it?

This is a public and products liability insurance policy for Events is designed to provide cover for Event Organisers for their risk exposure to personal injury and property damage claims. The Event could be for one day or a series of events over time. Public liability insurance will cover your legal liability to compensate third parties for personal injury or property damage caused by an occurrence in connection with your business activities. Public liability insurance also coves the legal costs associated with the defence of these actions.

What does the cover provide?

Generally you can choose between $10 million and $20 million limits of indemnity. Minimum premiums start at $1,000 including GST and Stamp Duty. Generally the time frame can be up to 30 days but depends on the insurer as there is an ability to provide Annual Policies which can reduce overall costs. The timeframe can be extended to include Set Up and Pack Down time. Most policies will provide an allowance for up to 100,000 attendees. 
Then there is also the ability to package additional Public Liability for Exhibitors or Stalls. And even to extend the cover to include Event cancellation insurance such as “No Show” by the main attraction or from adverse weather. There is even the ability to include Prize reimbursement and “Hole in One” indemnity cover for Golfing events.
However cover for Fireworks or Pyrotechnics and Amusement Rides are often excluded from cover. It would be advisable to manage these risks by sub-contracting to operators providing contracts that holds harmless the organisers from any claims arising from these activities at the same time demanding proof of their own insurance.

What sort of Events can be covered?

Here are some examples of events that can be covered.
• Art exhibitions 
• Auctions
• Book launches
• Boat shows
• Car shows
• Community Fairs
• Concerts 
• Conferences 
• Cultural events
• Entertainment events
• Fashion events • Festivals 
• Food and wine shows
• Garden shows
• Lectures
• Parades
• Photo shoots
• Plays and theatre productions
• Promotions
• Sporting events
• Trade fairs
• Telethons
 

Who can provide these covers? 

At CPR Insurance Services we are able to access a number of providers of these covers. The best way to market this risk on your behalf is by completing one of the insurer’s proposal form which prompts all the relevant questions needed for Insurers to consider the risk. We then send the completed proposal with any additional information that can support the risk to insurers

Who can help? 

An Insurance Broker who specialises in this cover can find the right Insurer for you with the most appropriate policy wording. An insurance broker's role is to act as your representative and work in your interests, seeking the best cover at the best price for you with their skill, market knowledge and experience. Call a good one. 
Call CPR – Experts who will save you

Five year old fighting for life after flung from ride at Fete
 

Latest News

Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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CPR Insurance wins Brokerage of the year

CPR Insurance Services picked up the award for the Best Brokerage (1-5 staff) in Australia, last Friday Night (4th May 2018) at the Insurance Business Magazine Awards held at the Westin in Sydney.

Judging came from various parts of the industry. It is a great honour to be recognised for our hard work and particular Business values we follow. A full list of winners is listed here.

Success comes from having great staff, and we thank Aidan Harmer and Julia McLauchlan as important support staff for helping us win such an award.

CPR Insurance has been in operation for more than 7 years now and is only successful because of the wonderful support from our staff, insurers and most importantly, our fantastic clients who put their faith and trust into our company to be their Risk Advisers and Brokers. 

Thank you to all.

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