Public Liability Insurance

What is it?  This protects you against your legal liability in case of 3rd party property damage or injury due to your negligence.  For example, if a guest slips on a spilt drink on a dance floor and breaks their ankle. The injured guest might hold you responsible on the grounds that you failed to prevent the accident from happening.

Do I need it? This is not normally a legal requirement, however you might feel it is sensible in our increasingly litigious society. A few factors to consider are the size and type of the event, and the extent to which you are taking responsibility yourself for the running of the event. For example, if you hire a venue which is running your event on your behalf, then your liability exposure might be lower than if you run the event yourself.