Undoubtedly, planning an event is not an easy task. And, when everything seems to be running smoothly, just one mistake could end up in a disaster. As an event planner, you should always prioritize the safety and security of all guests. Of course, you also need to protect yourself from lawsuits due to event accidents by getting event insurance.
In this post, you’ll learn about events insurance, its coverage, and how to handle accidents during an event for your reference.
What Is Event Insurance?
Event insurance, like Netsurance, provides coverage or protection against liabilities as a result of an accident during an event, such as fire, electrical problems, falling event decors, and other force-majeure. Event organizers can purchase suitable event insurance coverage to avoid enormous and high-risk financial losses.
Here are the coverage and types of event insurance:
- Event Cancellation Insurance: Get your expenses covered in case of event cancellation with event cancellation insurance. This includes rescheduling costs, compensation for reduced attendance, cancellation of performers or speakers, and reimbursement of the event.
- General Liability Coverage: Provides protection to the owner of the venue and the event organizer from the damages caused by accidents, such as champagne cork flying and damaging an expensive artifact in a dinner event in a museum.
- Event Vendor Insurance: If you work with vendors, you’ll also be responsible for any losses or damages that they cause, so it’s important to work with insured vendors, too.
How To Handle Accidents During Events
Event managers should have an effective event planning and event incident management procedures or protocol set in place. You should be aware of all possibilities that could happen during an event, including stage disasters, robberies, and physical violence. How you respond to accidents and ease tension is critical for your reputation and your business’s financial well-being.
Check out these steps in case of emergency event accidents:
- For a minor injury, attempt to move the affected party to a private and safe area to determine the extent of the injury and assess whether or not the victim needs to go to the emergency room. Use your prepared first aid kit to treat minor injuries.
- Call 911 if the victim is clearly debilitated or unconscious.
- Check the event area where the injury occurred, and take detailed notes. Also, it would help taking photos and videos to document all conditions. Event venues that have video surveillance should be sought to help secure corroborating video.
- One important thing you have to remember as an event organizer is never to admit or assign liability. Instead, determine the facts and get phone numbers and addresses of guests and employees involved, or anyone who witnessed the event accident.
How To Handle Stampede
Stampede may occur during a big event, like concerts, sports events, political events, festivals and social events. In such places, infrastructural capacity poses a challenge. If you’re handling events involving a large number of people, you have to ensure that you have adequate risk management strategies in place, including the following:
- Crowd control and management
- Assessing the suitability of the event venue
- Determining high-risk points to avoid a stampede
- Availability of safety gear and equipment
Note: Event planners should invest in employee training on emergency preparedness for big events and mass gatherings.
Contact The Insurance Company
Both events and the catering industry impose strict standards on ensuring health and safety. However, this industry has high levels of work-related injuries and diseases. In one study, cuts and lacerations due to improper handling of kitchen knives and burns and scalds due to handling hot liquids are common injuries.
When accidents happen in events or catering services, it’s important to call your insurance company to notify them about the situation. In this way, proper notification is forwarded to the company on the date of the incident, so you’ll get covered under the insurance policy you’re paying.
Like any insurance claim, documentation and other evidence should be provided to prove the occurrence of the incident. Once everyone’s safety is assured, do all possible means to gather evidence. File a police incident report as necessary, most especially for major incidents that endanger the lives of many people. At this point, you’ll also need the help of a lawyer to ensure that your rights are protected.
Events organizers should ensure that health and safety protocols are clear, and training has been provided to all employees to handle event accidents. Having the right knowledge and skills needed when event emergencies arise help lessen damages and can save people’s lives. Contact the insurance company and talk to a lawyer to help you avoid legal consequences.