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<\/figure>\n<\/div>\n\n\nThrowing a charity event is a wonderful thing. It raises your charity\u2019s profile and brings people together. All while drumming up those all-important funds that keep you going.<\/p>\n\n\n\n
Naturally, you want everything to go smoothly. So, you plan and prep. Carry out risk assessments, train your staff up on health and safety\u2026all that good stuff.<\/p>\n\n\n\n
But in the end, there\u2019s only so much you can do ahead of the day. Accidents happen when people get together<\/a>. And if you\u2019re held to blame, it could drain away your charity\u2019s funds quicker than a bottomless donations tin.<\/p>\n\n\n\n Which is why having public liability (PL) insurance for a charity event<\/a> is crucial. It\u2019s peace-of-mind protection for any surprise scenarios.<\/p>\n\n\n\n <\/p>\n\n\n\n It\u2019s been a tough few years for charities. First, they\u2019ve had to deal with the COVID pandemic disrupting their fundraising activities. Then the cost-of-living crisis putting a strain on their donors\u2019 finances.<\/p>\n\n\n\n Let\u2019s not forget, too, the cuts to funding and grants from local authorities<\/a> that have left many charities struggling.<\/p>\n\n\n\n Despite this triple whammy, most charities have managed to adapt. Whether that\u2019s by investing more in their digital resources or by throwing online fundraisers that are cheap to run.<\/p>\n\n\n\n With social distancing behind us, more charities are returning to face-to-face events. And no wonder: 20% of people in the UK say they intend to donate more to charity in 2023 than in 2022<\/a>.<\/p>\n\n\n\n <\/p>\n\n\n\n The fact that so many people are willing to dig deep in their pockets for a worthy cause is, of course, great news for your charity.<\/p>\n\n\n\n But it\u2019s a balancing act. Because for all the money you raise, there\u2019s always the risk that something goes wrong and someone blames you for it.<\/p>\n\n\n\n Unfortunately, people can and do get injured at charity events. But not only that. Property gets damaged, money goes AWOL\u2026and who can ever do anything about the weather?<\/p>\n\n\n\n Fundraising insurance saves the day by covering your legal costs and any liable compensation if there\u2019s a mishap or accident at your event and someone sues you for the damages.<\/p>\n\n\n\n <\/p>\n\n\n\n Getting your insurance straightened out might not be the first thing you think about when planning a fundraising event<\/a>. Ideally, though, you should have some in place before you start signing contracts with suppliers.<\/p>\n\n\n\n The Fundraising Regulator<\/a> spells it out clearly in their code of practice<\/a>. Before hosting a charity event, you should:<\/p>\n\n\n\n <\/p>\n\n\n\n Let\u2019s get a few things straight. Because there\u2019s a difference between public liability for charity events and the multiple types of cover sold under the banner of \u2018charity event insurance\u2019.<\/p>\n\n\n\n Depending on the size of your event and what cover you need, you could end up choosing one type of insurance over the other. Or even both.<\/p>\n\n\n\n So, let\u2019s start with charity public liability insurance<\/a>. It covers accidental property damage and injuries to the public at your event. If a visitor slips a disc after tripping over a loose electrical lead, for example. Or if you scuff the floors of the hall you\u2019ve rented while moving heavy equipment around.<\/p>\n\n\n\n Charity event PL also covers anything you sell \u2013 just so long as it\u2019s made by you and not another manufacturer. So, if Doris chips her crown on some brittle biscotti at your bake sale, PL has her dental bill covered.<\/p>\n\n\n\n The other thing to remember is most charity event PL is for events up to a certain size \u2013 often 500 people. So, make sure you get cover that\u2019s suitable for the kind of events you run.<\/p>\n\n\n\n For most small charities, public liability is usually enough to cover all your coffee mornings, fun runs, bike rides, meet-ups, etc. for the whole year. Oh, and if you need to up the limits of your cover at any point, you can.<\/p>\n\n\n\n <\/p>\n\n\n\n Public liability only covers accidents and injuries involving the public. So you\u2019ll need other insurance for your additional risks.<\/p>\n\n\n\n Employers\u2019 liability (EL) insurance<\/a> is legally required to cover your staff and volunteers if they get ill or injured while helping out. If someone does their back in while bending to lift a heavy speaker, and claims you didn\u2019t train them properly, EL will pay your legal costs and any compensation you owe.<\/p>\n\n\n\n Next, your kit. You might want to protect it if you buy or hire things like AV equipment, furniture, or marquees for your events. If something happens to them, the costs can quickly stack up. Contents<\/a> and portable equipment insurance<\/a> pays to repair or replace anything that\u2019s lost, damaged, or stolen.<\/p>\n\n\n\n Last but not least, money theft insurance covers you if someone swipes a donations tin or money box from under your nose. Charity fundraisers can get hectic, and, sadly, opportunists exist. Hopefully, it won\u2019t happen. But if it does, it might help to know you’ll be reimbursed. <\/p>\n\n\n\n <\/p>\n\n\n\n Charity event insurance is different to public liability. It\u2019s an all-in-one policy that\u2019s designed to cover large, one-off events.<\/p>\n\n\n\n Depending on the insurer, it can include public liability, employers\u2019 liability, property, event cancellation, money theft, and other types of insurance.<\/p>\n\n\n\n A charity might need charity event insurance if they’re organising an event for a large number of people and want to protect the money they raise through ticket sales, sponsorship, and the like.<\/p>\n\n\n\n If they\u2019re forced to cancel their fundraiser because of bad weather or because the guest speaker hasn\u2019t turned up, they could stand to lose a large chunk of their funds. Charity event insurance can help them recoup some of those losses.<\/p>\n\n\n\n <\/p>\n\n\n\n Despite all the planning in the world, things can and do go wrong at charity fundraisers. Even more so when you’re distracted, or when your time and resources are stretched.<\/p>\n\n\n\n You know what\u2019s at stake better than anyone else. So, ultimately, it\u2019s up to you to decide what fundraising insurance you need.<\/p>\n\n\n\n Our advice, though, if your charity runs lots of meet-ups and small events throughout the year, is to protect yourself with charity event public liability insurance. Then, look at what other cover you might need.<\/p>\n\n\n\n Bear in mind, too, that if you\u2019re only organising one or two large fundraisers a year, with lots of suppliers and vendors involved, then you might be better off with charity event insurance.<\/p>\n\n\n\n Need a helping hand with your charity public liability insurance<\/a>? Call our team on 0345 222 5391<\/strong> for friendly, expert advice.<\/p>\n\n\n\n Image under license from istock<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Throwing a charity event is a wonderful thing. It raises your charity\u2019s profile and brings people together. All while drumming up those all-important funds that keep you going. Naturally, you want everything to go smoothly. So, you plan and prep. … Continue reading Welcome back<\/strong><\/h2>\n\n\n\n
Do I need insurance for a charity event?<\/strong><\/h2>\n\n\n\n
Checks and balances<\/strong><\/h2>\n\n\n\n
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Do I need public liability insurance for a charity event?<\/strong><\/h2>\n\n\n\n
What other insurance do I need for a charity event?<\/strong><\/h2>\n\n\n\n
So, where does charity event insurance come in?<\/strong><\/h2>\n\n\n\n
Don\u2019t risk it for a biscuit<\/strong><\/h2>\n\n\n\n