Which level of Public Liability should I select?
That depends on several factors — there is no one-size-fits-all answer. Here's how to choose the right level of cover:
Check any requirements first: Many venues, councils or partners may require a minimum level of cover. Always check with them before buying a policy.
Consider the size and nature of your event: Small, low-risk events (e.g. a small community get-together, photoshoot or a market stall) will generally need less cover than large, public events (e.g. festivals, shows, exhibitions). The more attendees, activity, or potential hazards, the higher the coverage recommended.
Typical cover ranges offered: With many services, you can choose public liability cover from £1 million up to £10 million online.
What's usually sufficient:
£1 - £2 million — often adequate for very small or low-risk events.
£2 - £5 million — a good 'middle-ground' for typical community events, workshops, small-scale festivals, etc.
£5 - £10 million (or more) — advisable for larger public events, concerts, exhibitions, events with significant footfall or where serious injury, damage or high-value claims are more plausible.
When to err on the side of caution: If you anticipate large attendance, involve public hazards (e.g. staging, temporary structures, catering, food/drink, heavy equipment), or are working with a high-value venue — choosing a higher limit helps protect you from potentially expensive claims and litigation.
To summarise; Start by checking any external requirements (venue, council, partners), then match the cover level to the scale, attendance, and risk profile of your event, and if in doubt, it's usually safer and more prudent to opt for a higher cover (e.g. £5 - £10 million) to ensure adequate protection.
