Frequently Asked Questions
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Exhibitor Insurance Explained
Questions About Event Assued Exhibitor Express
What is Event Assured Exhibitor Express?
Event Assured Exhibitor Express is an on-line version of Event Assured Exhibitor - a portfolio of high quality insurance for exhibitors covering Cancellation/Disruption, All Risks on Property at the exhibition, and Legal Liabilities.
In its on-line form, the insurance is sold in a range of 3 packages to suit different sized stands, plus a liability-only option with £5m public laibility cover as standard across the range.
Can Event Assured give me advice?
Yes, but not for the insurance on this web site. Event Assured Exhibitor Express is offered on this web site on a "non advised sale" basis - this means we will give you full information about the cover available, but you need to make your own decision about whether this is suited to your needs. The benefit of this approach is that if you know what you want, we can deliver the insurance rapidly and at much lower cost.
If you want advice and guidance on cover suited to your demands and needs then please call us on 01376 330624.
What if the web site won't give me a quotation, but refers me to your office?
If you complete the application form on line and you are referred to our office, this will be because your application has a non-standard feature - for example if you cannot sign the declaration but provide additional information.
Once alerted to this, one of our underwriting staff will make contact with you to clarify your needs. If we subsequently give you advice, then the sale will be on an "advised " basis.
Please note that the terms, conditions and premiums for insurance provided on an advised basis will differ from those available on this web site.
Questions About Cancellation and Disruption Insurance
Can we cover event cancellation due to terrorism?
Yes. Our underwriters are amongst the world leaders in this. Unlike most other exhibitor insurance policies on the market, Event Assured Exhibitor Express includes free terrorism cover in certain countries - see the Summary of Cover for full details. This does not include the threat or fear of terrorism, although we can provide quotations for threat of terrorism on an advised basis.
Can we insure against the fear of terrorism?
Sorry, but no - simply because it is impossible to define and fear means different things to different people, so is an intangible.
Can I insure against bad weather?
Yes.
If your event is indoors, and not in a temporary structure, then cancellation or disruption due to bad weather is part of our standard cover. For example, if flooding prevents you from getting your equipment and people to the exhibition, then that is insured.
However, if the event is outdoors, or in a temporary structure then cover for adverse weather is only provided if we agree specially to provide that cover for the event.
For certain events where we are working with the organisers, there may be an option to take wider cover including adverse weather and certain other risks - this will be highlighted alongside your Quick Quote Premium - click to toggle between standard and wider cover and you will see the premium and Summary of Cover change.
What values should I insure?
You need to be sure that the sum insured under Cancellation and Disruption is sufficient to cover all your expenditure on the exhibition including stand fees, transport, accomodation, labour costs etc.. It should be the total budgeted sums, not an estimate of your potential loss.
Choose a package which includes a sum insured for Damage to Property which is sufficient to cover all your property at the exhibition including the stand, graphics, displays and exhibits. This should represent the replacement cost of all the property at the event for which you are responsible.
If your sums insured are below the full values then any claim may be reduced in proportion to the degree of under insurance (this is called "average")
You must decide on what is a suitable level of liability insurance, although sometimes the venue will stipulate a minimum.
Questions About Liability Insurance
What is the difference between employer's liability insurance and public liability insurance?
Employer's liability insurance covers legal liability for injury or disease sustained by an employee in the course of their duties. In the UK most businesses are obliged to have this cover by law-even if you only employ temporary staff.
Not all countries have laws requiring compulsory employer's liability insurance but it is still worth considering in order to protect against civil action by employees for injury or disease suffered in the course of employment.
Please note that some countries have laws requiring local Workmen's Compensation Act type cover, and you need to check this if you are employing people in different countries.
Public liability insurance covers you against legal liability for accidental injury to other persons (other than employees) or damage to the property of other persons.
What is "Limit of Indemnity?"
It is the maximum sum that the underwriters will pay in respect of any one occurrence.
If the venue and all other suppliers to my event have liability insurance, do I need it myself?
Yes.
You cannot rely on other peoples' liability insurance - it is not generally arranged for your benefit.
Questions About All Risks Insurance
My hire agreement says that if the equipment gets damaged whilst I'm using it, I am liable for the loss of hire charges whilst it's fixed. Can I insure this?
Yes. Event Assured automatically include cover for loss of hire charges up to 25% of the value of the hired item insured.
What about antiques, pictures, collectables or other items of special value?
These need special consideration. Event Assured Exhibitor Express is not designed to cover this type of property (nor are other similar insurances on the market). You should seek advice about insuring this type of property.
