Public liability insurance is an important part of every business and can be especially vital for one-day events, whether at a venue or on your own property.

The problem is that it can often seem like a luxury when you’re just looking to cover your event. However, if something happens at the event, public liability insurance will protect you from any lawsuits or financial risks stemming from accidents.

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This article explores how a public liability insurance policy works and what they offer, as well as some tips on making them more affordable for your next event.

If you are interested in talking to Emerald about your public liability cover, you can call our event insurance team on 0330 113 7109 any weekday between 9 and 5 for instant cover or you can compare our public liability insurance quotes against any other public liability insurance quotes that you may have. We hope that we will do favourably!


Public liability insurance is a type of coverage that protects the insured from legal responsibility for injury or damages caused to other people, their property, or both.

These types of policies are usually taken out by businesses, event holders, event organisers and similar owners who are putting on events such as parties conferences and workshops. These are suitable for birthdays, weddings, anniversaries, work dos, retirements; you name it, it can be covered with a public liability insurance policy with all the bells and whistles included.

What does public liability insurance cover?

Public liability insurance covers claims made against you if someone is injured during your event. It will also cover damage done to third party property in relation to your event. The policy may include clauses that allow for additional expenses such as medical costs incurred after an accident has occurred at your event. If you would like more information about Emerald’s public liability insurance, please contact us today.

Is there more?

Public liability insurance covers you in the event of injury or death of any person on your property, including guests and employees. It also pays for legal costs should you be sued as a result of an accident that happened on your property. The cost for this type of coverage is fairly affordable because it’s often included in homeowner’s policies along with other types of protection such as personal property damage, fire, theft, etc..

However, for events you may well need a standalone policy, and that’s where Emerald can help.

Protecting you from claims

Public liability insurance is a form of commercial insurance that protects an individual or business against claims or lawsuits in cases where people are injured on the company’s premises, or when they suffer property damage. It covers both bodily injury and property losses for which the insured may be liable. The policy typically pays for damages up to a stated limit (for example, £1 million) per occurrence.

A typical public liability policy will cover you if someone gets hurt as the result of an accident on your premises or at your event; slips and falls off your staircase; trips over debris in a car park; runs into something while walking through to your e due to inadequate lighting. 

What do I need for one day? Can I get one-off event insurance?

Can I get one-off event insurance? Well it depends on the question of what you really want.

You can get one day event insurance/one day public liability insurance, but it may be that an annual policy may be the same price and that gives you public liability cover for the whole year.

So if you get a one day event insurance quote, also get one for annual cover, rather than just assuming that a one-off event policy will provide cover for you with no alternative.

How do I go about getting it and what can it cover?

When thinking about public liability cover for one day event insurance what else might you need (or what else might be included)?

The following might be included, or might be available as an add-on:

  • employers liability insurance (sometimes called employer’s liability insurance)
  • business insurance depending on what you are doing on the day
  • cancellation cover, but also check with your event organiser as to their own cover for event cancellation
  • product liability or other issues – for example, are you serving food or using off-site caterers – which may cover compensation claims in that case


There are many types of liability insurance for events to protect you against different scenarios. Public Liability Insurance is one type that protects you or your business from damages if someone gets injured on the premises or at an event, or objects on your property cause injury to a third party like in cases where they slip and fall. When it comes to protecting yourself with public liability insurance make sure you get some.

Just like any other insurance policy, public liability is designed to protect you with comprehensive cover in the event of a crisis. If you’re considering purchasing this kind of coverage for your business or event, make sure you know what it covers and how much risk protection it provides so that you can decide if it’s right for you.

You may want to consult an expert before making a decision about buying public liability insurance because there are many options available with different levels of coverage at various price points. Make sure your business stays protected by taking care of its risks today and by speaking to Emerald.


Emerald Life has its registered office in England and Wales and is authorised and regulated by the Financial Conduct Authority FCA, firm reference number 666615 on the financial services register. It is registered as a limited company registered in England in Companies House with registered number available there and is directly regulated and authorised given its registered office in England. Companies authorised and regulated by the Financial Conduct Authority can be found at the Financial Conduct Authority’s website –

Public Liability FAQs

Can you get one day liability insurance?

One-day policies are available, but it may be cheaper to purchase an annual policy that provides public liability insurance for the whole year.

As with any insurance policy, it is important to understand what coverage you are paying for. Always compare the event insurance proposal with annual coverage rather than just accepting a one-day rate.

Can I get public liability insurance as an individual?

Yes. If you are holding an event then you nay need it for your one-day event. It may even be a legal requirement by a venue owner in the case of damage to their property (and damage to their property might be extensive). You may also need it for equipment cover if you are hiring kit.

How much is a public liability insurance?

This will depend on the coverage that you want. Normal levels are £1m, £2m, £5m and £10m, although £10m should only be needed rarely.

What is the minimum public liability insurance?


Anything else I should know about one-day public liability insurance?

Public liability insurance is an important part of every business or event planning and can be especially vital for birthdays, weddings, one-day events, whether at a venue or on your own property.

The problem is that it can often seem like a luxury when you’re just looking to cover your event. However, if something happens at the event, public liability insurance will protect you from any lawsuits or financial risks stemming from accidents.

Lastly, remember to make sure that your insurance covers everything that it needs to do – check with your provider that it covers everything you need, right down to legal costs if you get sued, immediate protection once you are on cover, can it extend beyond a single event? And did you actually want one-day? Would an annual policy be better?

Don’t forget to talk to Emerald and see if we can help you out to make sure that all your needs are covered with our award winning service!