Do you need insurance for your firework display?
Generally speaking, if you’re having a firework display at home with family and friends then you don’t need any specialist insurance to host a private garden display. Should something go wrong you’d be covered under your home insurance policy.
However. If you are inviting members of the public of charging an entry fee then this is where things will get a little more complicated. In this blog, we will delve into firework event insurance for public displays.
What is firework event insurance?
Firework event insurance is specialised insurance designed to provide display organisers coverage when it comes to organising and hosting fireworks displays. No matter whether it is a public celebrations, private parties or corporate event, it is vital to get insurance for your firework event.
Types of firework event insurance coverage
In this section, we will explore the different types of firework display insurance coverage that you should consider. Each type of coverage addresses specific risks that may arise before, during and after a firework display.
- Public liability: This covers claims for injuries or property damage caused by the firework displays to third parties
- Product liability: This protects against issues with the firework themselves, including defects or malfunctions
- Property damage coverage: Covers damage to property caused by fireworks, including the venue & surrounding venues.
- Personal injury coverage: This will cover and pay for medical expenses if injuries are sustained by individuals
- Cancellation and postponement coverage: This provides financial protection if the event is cancelled or postponed due to unforeseen circumstances.
We often get asked if we know of any companies who cover one off firework events insurance so recently we went on the search for an insurance provider that did just that. You can read more and find a link to them on our Firework Event Insurance page.
