Why aren’t all stallholders covered under my event insurance?

So, you want to hold a One Day Event. Maybe it is a car boot sale or a fundraiser with plenty of stalls and games. Well, what you need is a one day stallholder insurance that will cover you for your liability, any slips and trips, your stallholders…

Actually, no.

Your one day stallholder insurance for a car boot sale or fundraiser would not automatically cover 3rd party stallholders.

If all stallholders are from your company or run by family/friends,your policy may cover them. If they are separate companies or entities, your event insurance will almost always not cover them.

Insurers in most case will not provide cover for 3rd parties exhibiting or providing services to your event.

For example:
If your fundraiser has a few stalls run by your family, selling sweets or a raffle game, they may be covered and any incidents occurring at these stalls, may be covered by your event insurance. However, if you have “A N Other Company Ltd” running a stall where they are demonstrating their own services, they would be a separate company. An injury caused as a result of their negligence should be picked up by their own insurance.

The same goes for a music concert.

If you are holding a small-scale concert, providing the food, drink and venue, a one day stallholder insurance policy will cover you for any unforeseen and unexpected incidents. However, the band must hold their own insurance to protect against injuries caused for their own negligence. For example when the band gets on stage and begin their performance and the guitarist subsequently swings his instrument over his head and accidentally strikes a member of the audience.

Alternatively, when the band become highly energetic and accidentally damage the venue that you have hired, you aren’t accountable for their actions and the damage they have caused.

If you are organising an event which involves a third party , whether that be a stallholder, band, artist, photographer etc, you must ensure that all third parties hold their own insurance. This may also be a subjectivity or condition of your own insurance policy.

From stalls to slot, check out our blog on organising Casino Nights.