Public Liability Insurance

Definition of public liability

What is public liability insurance?

Public liability insurance protects your business against compensation claims and their legal costs if you cause injury (including death) to a third party or damage to their property. Public liability insurance covers you on your premises and working off-site. It can cover legal costs defending claims and pay compensation if your business is found to be at fault.

When is Public Liability Insurance Required?

Whilst public liability insurance isn’t a legal requirement, it is a wise idea for any event organiser to take out a public liability insurance policy, just in case an incident does occur at their event, resulting in a claim being made against them.

So its the organisers responsibility, maybe they are on commission from a broker for pointless policies for all the exhibitors instead of just one policy for the event.

Hi Anthony

The Club does have Public Liability Insurance for its own shows and for those of its branches. I would agree with John Holmes above, that it's the Organiser's responsibility? If you can't rely on their having sufficient cover, you would be best advised to check your own vehicle insurance to ensure that it will cover you for any claims against you in these circumstances.

Peter

... steer clear as I wouldn't trust the organisers to have the right cover in place if any. Remember you're doing them a favour by showing your bike.

Insurers will always try to pass the buck. The organisers' policy will be cheaper if they include a clause insisting on the entrants having their own cover. It increases the possibility of successful subrogation. It's a complicated area though. ...Does show display count as 'use' of a vehicle ? If so, then the motor insurance should cover, as they would with an incident in the course of a journey. Fire is perhaps the greatest risk, followed by the bike falling on someone. Best to avoid talk of polluting ground water.

Risks that aren't covered by motor insurance should be covered by the household policy PL..such as someone tripping over a crash helmet, just as it would be if it happened in a café.

If the vehicle is off-road and not insured then organisers are probably right to be concerned.

It's probably worth checking with the motor policy provider to see what their views are.

The show local to me only requires the shown bike to have minimum fuel in tank if ridden to and from event and no major oil leaks, they even allow basket cases to be shown.