The Royal wedding is later this month, and today is the deadline which has been set as the deadline for approval by local councils. Local authorities have come under fire by the likes of the work and pensions secretary Ian Duncan Smith for taking an unnecessarily strict interpretation of health and safety rules.
Some councils have reportedly gone as far as to ban bunting, while others are issuing health and safety checklists. The issue is around public liability. Councils may be being criticised for being overly cautious for their approach to this issue, bu the danger of being sued if someone gets injured is real.
The idea that you should never do anything because of the fear of legal action should something go wrong is of course absurd. There are plenty who subscribe to this view however, to the accompaniment of hand-wringing about ‘compensation culture’. The solution of course is to make sure that everything is properly insured.
We are used to insuring our houses and our cars, but the idea of purchasing public liability insurance would probably be furthest from the minds of most people when it comes to organising a street party to celebrate the royal wedding. As this blog post points out there is much the buyer needs to be wary about when it comes to purchasing public liability insurance to cover a street party type event.
There are often things which are excluded from policies – so the fine print needs to be checked carefully. You might be considering hiring a bouncy castle for instance, what after all symbolizes the superiority of royalty better than a castle? You should think again, as most policies will not cover inflatables of this type. Similarly the setting up and taking down of the event may not be covered, and, as always, it is important to make sure that the level of ‘excess’ is reasonable relative to the premium you are being charged.
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I woke early this morning to enjoy the wedding ceremony. These two are a beautiful couple and I wish them the best in life.