Event Risk Assessment 101
Should you need to make a claim on your public liability insurance, you will need to prove that you identified potential hazards and took all the right precautions to minimise risks before the event by producing a risk assessment. We share some tips on making sure you get it right.
Reducing risk vs. removing risk
The point of a risk assessment is to identify potential risks so that their impact can be minimised, it isn’t about trying to remove all risks! Simply:
- Identify the risk
- Take action to minimise the risk
- State what should happen if something went wrong
The very process of conducting a risk assessment is a great way of raising awareness abut potential hazards that may have been overlooked, and to make sure that everyone involved in the event is aware of what could go wrong, how to minimise the chances of it going wrong and what to do if it does go wrong!
Example of a simple risk assessment
You can have separate risk assessments for venues, activities and people. A venue risk assessment may include something like this:
- Hazard: Varnished floor.
- What could happen: Slip hazard if wet, could cause injury from a fall.
- Who is at risk: Visitors, staff, volunteers.
- What is being done to minimise the risk: Provision of mats at entrance, hazard signs in case floor becomes wet, equipment on hand to remove any liquids that get spilled/walked in.
- What to do in case of accident: Contact first aid.
An activity risk assessment may include something like this:
- Hazard: Face Painting
- What could happen: Reaction to face paints, injury from equipment, injury from signs/stall.
- Who is at risk: Children.
- What is being done to minimise the risk: Non allergenic face paints, cotton wool and water for removal, brushes to be stored in a container, all signs to be fixed to wall not the floor.
- What to do in case of accident: Contact first aid, find and notify parents/carer if child is absent.
Why a risk assessment is important for insurers
If your insurance provider understands the risks involved at an event, and can clearly see what course of action would be taken, they can provide bespoke cover for what you really need.
If you would like more information about carrying out a risk assessment for an event, get in touch with Insurance Experts for more advice by calling 01245 500433.