Can You Get Public Liability Insurance For One Day?

Event insurance packages often combine both public and product liability insurance, ensuring better protection for organisers against potential accidents during their events. However can you get public liability insurance for one day?

What is one-day public liability insurance?

It’s vital that your business is fully protected by public liability insurance at events, even if it’s just for one day.

One-day coverage proves useful for events like craft fairs, fetes, fayres, family fun days,, or short-term construction projects, where traditional annual policies aren't practical. It provides peace of mind for if you’re organising an event, allowing you to focus on your event without worrying about potential liabilities.

Understanding event insurance packages

Event insurance packages offer all-encompassing protection for organisers. They typically include public liability. This type of cover can protect your business against injury or property damage claims. Note this does not usually cover second hand products or goods.

The combined coverage can help shield event organisers from any legal or financial claims arising throughout the business event.

Trade shows, exhibitions, gigs and festivals are just a few events that would benefit from such coverage. Tailored event insurance packages provide peace of mind, allowing organisers to focus on hosting successful events.

Benefits of one-day public liability insurance with products liability

One-day public liability insurance with products liability offers cost-effective protection for single-day events. You can get broad coverage without the expense of a long-term policy.

This comprehensive coverage helps to alleviate concerns about potential claims arising from accidents and faulty products during the event. As the organiser, you can focus on executing your event successfully, knowing you’re adequately protected against unforeseen risks.

The combination of affordability, simplicity and a good level of coverage makes it an valuable asset for short-term event planning.

How to obtain one-day public and products liability insurance

Before you apply for one-day insurance, consider the nature of your event. What kind of risks are associated with the event? What kind of products are involved? After you’ve assessed potential risks and gathered event details, request quotes from insurers. Opt for insurers who specialise in event insurance.

When arranging your cover, it’s a good idea to be aware of your risk reduction measures and event safety. Provide thorough documentation and be open to adjustments to tailor the policy to your event's specific needs. You should also ensure that potential third-party vendors provide evidence of their own public and product liability insurance before involving them.

Common misconceptions about short-term event insurance

There are some misconceptions when it comes to short-term event insurance, including the notion that it offers inadequate coverage and is complex to obtain. Short-term event insurance can provide excellent protection.

It’s often quite straightforward to obtain short-term event insurance too. Many insurers nowadays offer a very quick and easy application process.

The best event insurance policies are reliable and effective. They’re designed to address the unique risks associated with temporary events. They offer robust coverage, ensuring organisers are well-protected against potential incidents.

Public liability insurance from Towergate

Our public liability insurance can be a reliable option to provide your business events with good protection, covering both public liability and product liability.

It's cost-effective and tailored for short-term needs, simplifying application and management. This insurance safeguards against potential legal and financial losses arising from accidents or defective products during an event.

Get a public liability insurance quote

If you’re organising a one-day event, it’s a good idea to consider this insurance. Talk to Towergate for a public liability insurance quote today, either online or by phone on 0330 818 9929.

Event insurance from Towergate

You can also get a quote for event insurance from us today, either online or by giving us a call on 0344 892 1300.

About the author

Alison Wild BCom (Hons), MAAT, MATT, Taxation Technician is a highly respected industry professional who has been working with and advising SMEs in areas including tax, pensions, insurance and marketing for over 25 years. She is a member of the Association of Accounting Technicians (AAT) and Association of Tax Technicians (ATT) and also has over 20 years' experience as a residential landlord.