5th November have you got your firework event insurance.
In a world where health and safety are becoming more and more complicated finding insurance for a firework event can be a real challenge. Fireworks are unpredictable it only takes a change in the weather or a change in wind direction and this increases the risk and unforeseen occurrences. Therefore, it is essential that you have full firework insurance whether it is a one of event held by a school, corporate event or you are fireworks events company.
Reduce the risks:
Assuming you have your firework event insurance in place there are some additional things you can do to reduce the risks:
- Complete a full risk assessment to identify the risks and put the necessary plans in place.
- Monitor the weather before the event and be prepared to make a last-minute cancellation
- Make sure all firework staff are fully trained and aware of the risks.
- If you have outsourced your firework provided ensure they are a reputable vendor with references and the relevant certificates.
- Check the venue is well lit so people can find their way around and avoid the area where fireworks are being ignited.
- Ensure the venue is larger enough so crowds are a safe distant away from the firework area.
- Establish a cordons crowds are a safe distance away from the fireworks
What fireworks insurance covers
If you are looking for fireworks insurance, we would strongly recommend you seek advice from a firework insurance expert like The Insurance Experts to ensure that your insurance covers the following items:
- Public liability insurance which covers all legal liability and pays damages, claimants’ costs and expenses which could occur as result of your event.
- Employer’s Liability insurance which covers all legal liability to pay damages, claimants’ costs and expenses which arise as a result of anyone who is employed by the event. Including people who are paid and unpaid volunteers.
- Equipment Insurance which covers for the loss of, or damage to equipment that the event and organiser are responsible for during, and in association with your event. Including hired and owned items and any property associated with the venue. However, cars in the car park are covered by public liability insurance.
Of course, with any insurance there are exclusions so it is best to speak to your broker to understand all the details. Tim West at the Insurance Experts is their dedicated fireworks insurance specialist. He has over 15 years’ experience in the fireworks industry plus other entertainment industries such paint ball, air soft paly and laser tag.
Tim said “Often firework organisers can struggle to find the right insurance at the right price and often leave it to the last minute. One customer called me at 5.10pm on a Friday and we were just about to close. He needed his insurance for the Saturday evening however due to my network of contacts I was able to source and organise him a comprehensive firework event insurance before we closed and at the right price.”
The Insurance Experts are able to spend the time sourcing the right insurance for your fireworks event as they expertise means they understand their client requirements. As November 5th gets closer. If you require firework insurance or any other event insurance do not hesitate to get in touch with Tim or any of the team at The Insurance Experts via email or call us on 01245 500433. We would be happy to help you.
