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A crucial part of planning any event is the consideration of all aspects of health and safety. This includes people taking part and people who will, or could, be affected.
Possible groups that should be considered during the event include participants, organisers, spectators and other visitors to area. Each event will need to be assessed by the event organiser with its particular circumstances taken into consideration.
There is already lots of specialist advice on this topic, particularly on the importance of undertaking formal risk assessments, which can be found at the Health and Safety Executive website http://www.hse.gov.uk.
It is strongly recommended that public liability insurance be obtained before any event takes place. Many landowners will make this a condition of granting permission. Public liability insurance covers injury, loss or damage to third parties as a result of negligence and therefore the extent of insurance required will be dependent on the potential risks involved.
In all cases, event organisers must ensure that they hold appropriate cover. It is the responsibility of organisers to take advice from their insurers on the cover required.
For organisers whose sport or activity is undertaken under the auspices of a governing body, and for professional event organisers, it is likely that your organisation already carries public liability insurance.
Event organisers should also make clear to participants what insurance cover is in place so that they can consider their own personal situation. This is a complex subject and further advice should be taken from relevant specialist advisers such as insurance brokers
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