05-05-2023, 07:19 PM
(This post was last modified: 05-05-2023, 07:28 PM by Andy Bennett.)
Andrew: I have a feeling this may be more of an issue of the organisers knowledge and understanding of insurance.
I have been involved in other events (beekeeping at third party shows and 'experience days' for blacksmithing at my home) and have seen similar questions.
In my less than expert knowledge, it is the event organiser who must have public liability insurance, so, if we attended a country show with bees it was the show organiser who must carry the public liability insurance for the event as a whole, but when I hold a blacksmithing day at my home I must have public liability insurance for the venue (for which I do and have risk assessments etc as a requirement of the insurance).
I think the principle it comers down to who is more likely to have money if sued and if uninsured. That comes down to the event organiser, so they always carry the insurance for the event as a whole.
As an individual you need to have your own insurance for any injury you might personally cause to anyone, whether that is on the road or at an event.
What RH are saying is that they do indeed cover you for that. They can do no more without specifics of any specific event, where I guess they could provide you with individual public liability insurance in parallel with that held by the organiser.
So, if an event organiser asks you for public liability insurance you should simply say no, that is for them to organise. Perhaps cross out 'public liability' and replace it with 'third party' and sign. The only exception is if someone has offered a venue for you to hold a car meet event, then of course it is up to you to arrange the event insurance.
I am guessing that not one of the 1000 cars at the Centenary event had public liability insurance but the organisers did!
I have been involved in other events (beekeeping at third party shows and 'experience days' for blacksmithing at my home) and have seen similar questions.
In my less than expert knowledge, it is the event organiser who must have public liability insurance, so, if we attended a country show with bees it was the show organiser who must carry the public liability insurance for the event as a whole, but when I hold a blacksmithing day at my home I must have public liability insurance for the venue (for which I do and have risk assessments etc as a requirement of the insurance).
I think the principle it comers down to who is more likely to have money if sued and if uninsured. That comes down to the event organiser, so they always carry the insurance for the event as a whole.
As an individual you need to have your own insurance for any injury you might personally cause to anyone, whether that is on the road or at an event.
What RH are saying is that they do indeed cover you for that. They can do no more without specifics of any specific event, where I guess they could provide you with individual public liability insurance in parallel with that held by the organiser.
So, if an event organiser asks you for public liability insurance you should simply say no, that is for them to organise. Perhaps cross out 'public liability' and replace it with 'third party' and sign. The only exception is if someone has offered a venue for you to hold a car meet event, then of course it is up to you to arrange the event insurance.
I am guessing that not one of the 1000 cars at the Centenary event had public liability insurance but the organisers did!
Enjoy yourself, it's later than you think!