You should consider taking out event insurance if you are organising any large event or party since you have a legal obligation to ensure you are protected with suitable insurance. This should include public liability up to at least £5,000,000, employers liability up to £5,000,000 and property and cancellation cover. No matter how well you plan for your event to be a huge success, things unfortunately can still go wrong.

You may have to postpone the event because of a sudden death, disastrous weather conditions, or your venue could even burn to the ground. You could also be liable for damage caused by careless guests.

Follow this helpful advice to help you sort out your event insurance:

Choose a reputable company that specialises in insurance for private and corporate events.

Be aware that many insurance companies offer packages to cover accidents prior to and on the day.

A fireworks insurance policy is designed for people or groups who buy and release fireworks themselves. If you are using a professional contractor with their own insurance, you will probably also need to take out a one off event policy.

Event insurance is necessary for organisers of Christmas light and tree displays will need legal liability protection. It may be the Season of Goodwill but if there is an accident involving your Christmas lights or tree display, you can still be sued. A Christmas lights policy will protect you against compensation and claimants costs and expenses.

You will need legal liability protection for any kind historical re-enactment. Historical re-enactment insurance should give you the cover you need as an organiser of any historical event. Make sure that you are covered for the use of guns, black powder, cannons, pistols, cavalry, archery and almost any kind of combat.

Be sure to choose the the correct level of cover you need from cancellation of the party to unforeseen damage, epecially if you are using a hired venue.

Always get more than one quote to find the best deal available. If you have several comparative quotes you could always try out a bit of old fashioned bargaining.

Read the policy wording very carefully and thoroughly check the money-back guarantee cancellation policy. Then give it to someone else who is involved in the running of your event to read it through as well.

Check small print carefully to make sure there are no hidden catches before you sign. If there is a lot of legal jargon you don’t understand do get a solicitor or lawyer to run an eye over the whole contract before you sign anything.

If you organise several events in a year many event insurance companies will let you take advantage of their discounted annual liability cover, often designing a policy to suit your individual needs – usually the more events you insure, the more economical the premium.