Glossary · Safety & compliance
Public liability insurance
Definition
Public liability insurance covers a business if a member of the public is injured or their property is damaged because of its work.
Public liability insurance pays out if a third party, such as a guest at your event, makes a claim against a business for injury or damage caused by its activities. A guest who trips over a cable by the van, or a van that damages a lawn or a driveway, are typical examples.
Most venues, councils and event organisers ask every supplier for proof of public liability cover before the day, and many set a minimum level. Ask for the certificate early, because a missing document can hold up access on the day. Kreamy Delights carries £5M Public Liability insurance, and we can send the certificate to organisers and venues on request.
Related terms
- Risk assessmentA risk assessment identifies what could cause harm at an event or workplace, who might be hurt, and what is being done to control those risks.
- Event organiserThe event organiser is the person or company that plans an event, books suppliers and makes sure the site, permissions and safety are in place.
- Method statementA method statement sets out, step by step, how a supplier will carry out its work safely on site. It is often paired with a risk assessment as RAMS.
- The full glossary54 terms, from soft serve to street trading licences.
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