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

High Court dismisses Business Interruption Test Case

Today the High Court dismissed appeal by Insurers on the Business Interruption test case. Even the big insurers make silly mistakes! But you the policy holder may benefit if you were one of the 40% of Business Pack policy holders that added Business Interruption cover to their Business Pack. While it was never the intent of insurers to cover policyholders for the loss of income from a pandemic, the fact that insurers never factored in a risk premium for it, and the fact there is supposed to be a material or physical loss to trigger the Business Interruption section, none of that matters according to the highest Court in the land. So what was the mistake? Simply that when insurers defined what they considered to be the definition of an infectious disease, they referred to the Quarantine Act of 1908 which since was superseded by the Biodiversity Act of 2015. Because the Quarantine Act of 1908 no longer exists, apparently you cannot draw on this for a definition of an infectious disease? Not one of the insurers picked up on this! Shows how much interest we take on the business of Governments, except what is reported in the media.

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Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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