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Diamond Jubilee: Protect Yourself Against Party Accidents With Public Liability Insurance

Diamond Jubilee: Protect Yourself Against Party Accidents With Public Liability Insurance











PublicLiabilityInsurance.org


London, UK (PRWEB UK) 27 April 2012

With the Queen’s Diamond Jubilee celebrations fast approaching, PublicLiabilityInsurance.org, a leading resource and quote comparison website for public liability insurance in the UK would like to remind event organisers that they could be held personally liable for any injuries or property damage at their events.

With over 2.5 million people in the UK expected to attend parties celebrating the Queen’s Diamond Jubilee in June, accidental injury or property damage is inevitable and public liability insurance (PLI) will offer added peace of mind for event organisers should the worst happen.

Public liability insurance (PLI) will protect event planners should they be sued for injury to a person, or for loss or damage to property.

James Buck, a spokesperson for Publicliabilityinsurance.org and industry expert, said: “Whilst there is no UK law that makes insurance for these types of events mandatory, as an organiser of the event you could be held personally liable should something go wrong, and having the proper public liability cover in place will give you that added financial protection and peace of mind.”

“Organisers can purchase different levels of cover, from £1m up to more than £10m. How much they need will vary according to the type of event and the number of people going, but we recommend that you contact your local council first as some authorities have taken out blanket cover on behalf of all street parties in their area or have dropped the insurance requirement entirely, and if you live in an area where you need a local authority licence for your event, PLI may be a requirement.”

“As with most types of insurance cover it’s really a case of planning for the unknown. In terms of what can go wrong, the overall risks at street party events are usually quite low, but that’s not to say a claim won’t arise from injury or property damage during the party.”

“Street parties are a fun and celebratory event, they are not inherently dangerous events therefore in most cases it’s the slips, trips and falls (both during the event and setting up) that can cause event organisers legal issues.”

“For example, The Royal Society for the Prevention of Accidents (RoSPA) says that almost four in 10 children who hurt themselves on trampolines are so badly injured that they require operations. If you are not fully insured against this kind of accident, the cost of medical bills can snowball.”

“In today’s society people are increasingly aware of their legal rights and their ability to claim compensation, and we advise that street party organisers seek independent professional advice for their specific event requirements.”

Notes to Editor:

About PublicLiabilityInsurance.org

PublicLiabilityInsurance.org provides detailed information and guidance on the importance of Public Liability Protection for individuals and small business.

We understand that finding the right type of business insurance can be a tricky and somewhat daunting task.

Our aim is to provide individuals with the information they need to choose the level of insurance cover that will protect themselves and their business should the worst happen.

Contact:

James Buck

07528299263

contact(at)publicliabilityinsurance(dot)org























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LV= Warns of £264m Repair Bill for Alcohol-Fuelled Home Accidents










Croydon, London (PRWEB) July 28, 2010

LV= is warning that accidents caused by Brits drinking and partying at home this summer is predicted to leave UK homeowners with a total repair bill of £264 million*.

New research by LV= home insurance (http://www.lv.com/insurance/home_insurance/ ) suggests that the explosive combination of the football world cup and hot weather has fuelled a boom in alcohol-related accidents, as Brits increasingly hold parties at home. Based on last year’s breakages, 73,000 TV/computer/games console accidents, 686,000 stains on carpets, and 955,500 breakages have already happened this summer.

Of last year’s accidents 56% admitted that alcohol was involved and 31% stated the guest who did the damage was ‘quite drunk’ when the accident happened. A further 44% admitted they were ‘a bit tipsy’ at the time. The most common accident was broken glass or crockery (29%), followed by spillages causing damage to furniture (22%) or stained and damaged carpets (20%).

LV= (http://www.lv.com/ ) is warning homeowners to ensure they opt for accidental damage cover as part of their home contents insurance (http://www.lv.com/insurance/home_insurance/tips_advice/home-contents-insurance ), so that if any serous mishaps occur they are not left out of pocket paying to put the damage right.

According to the LV= survey, 19% of Brits expects to entertain more this summer than last year, with the average household hosting three gatherings over the season. The hot summer appears to be making Brits more likely to open their doors to friends, with 49% citing the weather as a major reason to celebrate at home.

The wave of sporting events this summer is also encouraging 12% of Brits to entertain more, while 5% claim that a TV event like an X-Factor final spurs them to plan a party. Around one in seven parties (15%) ends in some sort of damage caused either by the host or an over-enthusiastic guest.

The research findings echo internal home insurance claims (http://www.lv.com/insurance/home_insurance/how-to-make-a-claim ) data from LV=, which shows that homes suffer more accidental damage over the summer months than at any other time of the year.

John O’Roarke, managing director of LV= home insurance, said: “Everyone enjoys having get-togethers at home and the hot weather is a great excuse for a party. But our research shows that having friends over can often result in accidents, and we see thousands of insurance claims each year for problems like red wine spillages on carpets. We are therefore warning homeowners to ensure they have accidental damage cover as part of their home buildings and contents insurance (http://www.lv.com/insurance/home_insurance/tips_advice/buildings-contents-insurance ), so that they’re protected in the event of anyone celebrating too enthusiastically.”


ends –

Notes to Editors:

In 2009 11% of Brits had accidents while entertaining in the home. If 11% of Brits have accidents this summer while entertaining = 5.3m. 56% admitted drink played a role in accident = 2.97m with average cost of £89 per head, or a collective total of £264,330,000.

All research unless otherwise specified was conducted by Opinium Research. Opinium carried out an online survey of 2,015 UK adults aged 18+ from 22 to 25 June 2010. Results have been weighted to nationally representative criteria.

UK adult population = 49,121,000 (population projections by ONS, 2010).

About LV=:

LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies.

LV= employs over 4,000 people, serves over 3.8m customers and members, and manages around £9.5bn on their behalf.

Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514, is authorised and regulated by the Financial Services Authority, register number 202965. Registered address is: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333

For further information, please contact:

Emma Banks

LV=

69 Park Lane

Croydon

CR9 1BG

0208 256 6714

http://www.lv.com

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Slip-and-Fall Accidents Could Be a Thing of The Past!

Slip-and-Fall Accidents Could Be a Thing of The Past!














Southlake, TX (PRWEB) December 2, 2009

The American National Standards Institute (ANSI) B101 committee on Slip, Trip and Fall Prevention has released the nation’s first-ever, floor safety standard designed to prevent pedestrian slips and falls. The ANSI B101.1 standard provides property owners, insurers, and flooring manufacturers with an important tool by which they can measure the risk of a slip and fall and, in-turn, prevent such accidents from occurring. “This new standard reflects more than a decade of research by the National Floor Safety Institute (NFSI) and is the first step in reducing unintentional slip-and-fall related injuries,” says Russell Kendzior, Secretary of the ANSI B101 committee and founder of the NFSI.

In 2007, the Center for Disease Control (CDC) estimated that 2.2 million Americans sought emergency room treatment for an accidental fall making falls the leading cause of emergency room visits in America. The National Safety Council’s 2008 edition of “Injury Facts”, lists falls as the leading cause of accidental death for people over the age of 85. In 2006, 21,200 people died as the result of an accidental fall.

Individuals over the age of 60 are the most likely victim of a fall. The U.S. Census Bureau estimates that the number of Americans age 60+ will more than double over the next decade as the “baby-boomers” begin to retire. The CDC has declared elderly falls a national epidemic and estimates the annual cost to be $ 40 billion.

Under the new ANSI B101.1 standard, the slip-resistance of a walkway can be measured and categorized into one of three “Traction” ranges: High Traction, Moderate Traction or Low Traction. Floors categorized as High Traction present a low risk of a slip and fall while Moderate Traction and Low Traction floors present an elevated risk.

Business owners are encouraged to have their floors tested to determine into which Traction range their floors fall. The NFSI recommends that ANSI B101.1 compliance testing be performed by an NFSI Certified Walkway Auditor, a listing of which can be found at the NFSI’s website at http://www.nfsi.org.

Kendzior adds that, “The goal of the standard is to reduce the nation’s growing number of slip-and-fall related injuries by increasing the traction of walkways.” According to the NFSI, High Traction floors have been clinically proven to reduce slip-and-fall claims by as much as 90%. Once identified, the slip-resistance of Moderate and Low Traction floors can often be elevated into the High Traction range through improved floor maintenance.

The NFSI is a 501(c)-3 not-for-profit charitable foundation whose mission is “to aid in the prevention of slips, trips, and falls through education, research, and standards development.” The NFSI is an ANSI Accredited Standards Developing Organization and established the ANSI B101 committee.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.