A few years back my sister in law started putting on a yearly holiday on her folks property.  They own a bike shop, and they’ve a giant collection of bands play every year, together with some activities which bikers from all over come to take part in.  She learned quickly that she should have event insurance for these types of things, and had no problems with anything up till last year.  This is when she learned there are conditions to this type of insurance and that she truly had to keep an eye fixed on what was going on. 

Somebody had snuck in without paying, and because they snuck in, they did not sign the waiver that she needs for entry.  This girl proceeded to fall down and hurt her leg rather badly, and my sister in law called her event insurance carrier to report what had occurred.  As it seemed, that particular accident wouldn’t have been covered, and my sister would have been responsible for the damages.  To avoid the issue, my sister had to run down and file trespassing charges against the girl that had snuck in so that she couldn’t be sued. 

Almost all of the time, event insurance is there to cover any issues that might occur at any sort of event.  You do not have to have some bikers to need this, as things can happen at what might appear to be the tamest event on earth.  Hopefully you’d never need to cash in on this kind of insurance, but it is always a wise investment actually.  It should be rather affordable, and should run for the length of your event, and may even cover some time after for people taking down the seats, stages, etc . 

When you find good event insurance, make sure you know the details.  See what would occur in someone were to sneak in and then get wounded.  It might not be covered on your insurance, much like was the argument for my sister in law.  This means that you have to come up with a recently discovered way of guaranteeing that no one can sneak in, and that all your bases are covered.  If you aren’t sure you have all you want to know about event insurance, it wouldn’t hurt to go over what you have with your barrister just to be on the safe side.  It’s great to have, but it will not do you any good if somebody skirts the particulars of the policy.

If you are looking for bar mitzvah insurance then take a look at the liability insurance on www.instant-online-insurance.co.uk.

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