18 May, 2012
With an increase in the number of summer events and
street parties this year, South West firm Cornish Mutual is
reminding people to have the right insurance in place should they
need to make a claim.
The company, which insures around 24,000 Members across
Cornwall, Devon, Somerset and Dorset, is concerned that
celebrations such as the Olympics, Euro 2012 and the Queen's
Diamond Jubilee may lead to a rise in accidents involving damage,
personal injury or other financial losses.
With the Diamond Jubilee Bank Holiday fast approaching, the
rural insurer is urging home owners and event organisers across the
region to contact their local authority if appropriate and make
sure they are properly insured.
Philip Wilson, Business Development Manager for Cornish Mutual,
says "We want people to really enjoy and make the most of the
special events taking place this year without the worry and hassle
of something bad happening. We feel it's important to remind people
that they should have the right insurance in place, so if things do
go wrong they are covered.
"Organising a public event such as a festival, fete or party is
not always easy and may have certain risks associated with it. Some
local authorities insist that organisers apply for a licence and
that they have mandatory public liability insurance in place as an
absolute minimum in order to ensure they are covered if a claim is
made against them."
Public liability gives protection if the organiser is found to
be at fault for injury or damage caused to a member of public or
their property. It should include any legal fees and expenses
resulting from a claim made against them. It only, however, covers
third party claims.
Licensing Team Manager at Cornwall Council, Angie McGinn, says
"If you are planning a special event, say for the Diamond Jubilee
or the Olympics, then it is important that you do not overlook any
licensing requirements. If your event is to include activities such
as selling alcohol, providing certain types of entertainment or
fund raising for example, then it is likely that some form of
authorisation will be required from your local Council's Licensing
Cornish Mutual is also advising Members to take steps to ensure
the health and safety of everyone involved in the event by
completing a proper risk assessment.
Philip says, "Unfortunately sometimes accidents happen so it's
always a good idea for event organisers to carry out a risk
assessment to identify the risks beforehand, make the celebration
as safe as possible and reduce the chances of something untoward
from happening. Checklists, risk assessment templates, advice and
guidance are often available from your local authority, so it's
worth making contact with them first."
Depending on the type of event, who is organising it and how
many people are attending, other types of insurance cover may be
recommended to protect against a potentially expensive
He adds, "If you are employing people to work at your event, you
must have employers' liability insurance to cover against any
accidents that might happen to employees for which you may be
legally liable. Personal accident cover can provide a weekly
benefit for voluntary helpers and organisers should they suffer an
injury whilst organising an event.
"You should also make sure you're covered for the loss of any
cash or cheques, such as ticket money or charity collections; as
well as all goods, equipment, fixtures, utensils and tools that are
owned or being looked after by the organisers."
Philip says, "Even if the party is a social gathering with
friends and relatives, it's worth making sure you have the correct
level of insurance cover for your home and contents. Some people
have no insurance cover at all and that can leave them exposed to
costly damage or accidents."
Organisers looking to find out more about insuring their event
can contact Cornish Mutual. For more information visit www.cornishmutual.co.uk or call 01872
Anyone thinking of holding a street party should ensure they let
Cornwall Council know by completing an application form. Further
details about how to obtain the relevant permissions and the
application forms are available on Cornwall Council's website www.cornwall.gov.uk/default.aspx?page=27190 or
by contacting the Council's Streetworks Team on 0300 1234 222.