When you organise a big event, you are likely to have other things on your mind than your exposure to legal liabilities, at that point the event insurance cover comes in play. It doesn't cost much and can be quite suitable for exhibitors, providing valuable protection for your company and investment, leaving you to get on with running your stand.

If the event at which you have arranged for space as an exhibitor is cancelled for reasons beyond your control, you can have a sigh of relief as you are covered for losses up to the sum insured. It will protect you, if you face a claim for compensation payable to a third party, following actual or alleged accidental bodily injury or damage to their property, if the incident happens during your event. It may even be possible to extend the cover to include also fraud or dishonesty on the part of any of the trustees or volunteers, etc.

• Event Insurance can be a cost-effective package for a one-time special event. You can either choose public liability cover, and can further purchase an additional employers' liability cover for your legal liability for injury to your own and casual staff or volunteers.

• This sort of cover is ideal for you, especially if a criminal action is brought against you for any breach of statute or regulation directly relating to any actual or potential claim covered under this section. This cover also includes loss of, or damage to, the venue's buildings, fixtures, fittings and machinery, up to thousands of pounds. You may also get significantly higher limits depending upon your requirements.

• Some event insurance companies would pay the defence costs incurred, in order to defend an action against you. They provide cover for loss of or damage to business property within the space allocated to you at the event, which you own or for which you are legally responsible (for example, hired equipment).

• This insurance is available to give you peace of mind and covers losses for events which occur due to unforeseen circumstances. Experienced event organisers know to expect the unexpected and your business insurance may not be enough to cover you if something ruins your special event.

• These policies can be purchased for special events ranging from baby showers to birthdays, graduation to retirement, engagements to weddings and anniversaries. There are companies, who can offer single event insurance, multiple event insurance or even annual event insurance - whatever your needs. As the special event holder, you will most likely be required to provide proof of liability insurance to the facility or venue where you are planning to hold your special event.

There are occasions, when things can go wrong, even with proper arrangements made for people attending a fair, a fête or a carnival, a specialised low cost event insurance policy can then come to your rescue. It protects you against the unforeseen, letting you bask in the glory of a well-run event.

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