It goes without saying that each and every Royal Wedding celebration is going to be different, unique and special. The successful organisation of such an occasion is going to be paramount to the overall enjoyment by all. If you have organised an event before, whether large or small you will understand what is involved and the insurance cover required. However, if not you are going to need some guidance to help you put on the perfect event.
We cannot answer all your questions, but we can give you some idea of what to think about.
Celebrating at home?
If your celebration is going to be held at your own property you should check with your home insurer as to whether your current policy will cover you for the scale and style of event you intend to hold. Depending on the size and nature, the policy may well extend to cover you. If not, you may need a Royal Wedding Celebration policy.
Street party?
For those planning a street party, you will need to contact your local council to obtain permission to hold your event, this can take some weeks to obtain and maybe longer if you intend to close the road to all traffic. Additionally you should enquire what legal requirements they will expect of you to hold this event. See our Royal Wedding Street Party page for more information
Hiring a venue?
If you are hiring a venue then there will be a contract of hire, this will contain a clause relating to your legal obligations whilst in occupation. You should carefully check the contract to ensure you are both happy with its content and that you can comply with its terms.
Don’t be put off by the terms ‘legal liability’, this is why you take out event insurance, obviously policy terms and conditions will apply but in the event of the unforeseen occurring you have the security you need with an insurance policy.
Our rationale is for the event to be achievable the premium has to be affordable and applicable to the scale and style of the event.
We have a number of policies that will undoubtedly suit your event requirements but if this is not the case then we are more than happy to provide a bespoke policy tailored exactly to suit your event. Policies are issued immediately upon receipt of payment, if however your event is sponsored by a local council or other body then we can issue the documents and invoice the relevant party (subject to proof).
Public Liability
Public Liability is going to be a term common to all events, this is basically your legal liability to third parties, guests, visitors or even passers by. Should anybody be accidentally injured as a result of your event and negligence then this is your legal liability. Additionally any third party property damage is also your legal liability, this is the accidental damage to the venue or any third parties property as a result of your event and negligence. For example, a guest slips on a wet surface and falls injuring themselves, or a gazebo blows onto a third parties car.
Employer’s Liability
Employer’s Liability is another consideration. If you have an employee, volunteer or helper at your event you will be legally liable for them. Therefore if they become injured, all be it accidentally whilst acting for you at your event, you could be held liable.
Event Equipment
Event equipment cover is something else you may or may not require. If you are hiring in or borrowing any items of equipment, tables and chairs, stage, sound systems etc, whilst this equipment is in your custody, care and control you are liable. Naturally policy terms and conditions apply, the damage has to be accidental but accidents do happen.
