Firework Display Insurance
With Bonfire Night approaching, firework display companies across the UK are preparing for one of their busiest periods. However, professional operators may also provide displays for New Year’s Eve, weddings, festivals, corporate occasions and religious ceremonies throughout the year.
Running a firework display company involves much more than arriving at a venue and lighting fireworks. You may be responsible for specialist equipment, vehicles, storage, employees, temporary staff and the safe delivery of displays at different locations. Your insurance needs to reflect the full operation of your business, not just the few minutes when the fireworks are in the sky.
Protecting your business
Public liability is a key consideration for professional display companies. It can help protect your business if a member of the public is injured or third-party property is damaged in connection with your work. Some venues and customers may also require evidence of a specified level of cover before confirming a booking.
Employers’ liability may be needed if you employ staff, including crew members involved in transporting, setting up or operating displays. It is also important to clarify how your policy treats casual workers, volunteers and subcontractors.
Cover beyond the display
Firework companies often invest heavily in equipment, including firing systems, protective clothing, storage containers, lighting, sound equipment and transport. Depending on your policy, you may need protection against theft, accidental damage and loss while equipment is stored, transported or used at a contract site. Specialist policies may be able to cover equipment in transit and at display locations.
Vehicle insurance should also be considered, particularly if vans or other vehicles are used to carry fireworks and equipment. Your insurer needs to understand how the vehicles are used and what they transport.
Specialist advice matters
Firework-related activities can be excluded from standard commercial policies, so it is important to check that your insurance specifically recognises the work you undertake. A specialist broker can also help you consider storage, subcontractors, pyrotechnic activities and contractual requirements.
At Insurance Experts, our dedicated team understands the specialist risks faced by professional firework display companies. We will take the time to understand how your business operates and help source suitable insurance at the right price.
Contact us today for a no-obligation quotation and see how our expert team can help protect your business, call 01245 500433 or email us.
