A special event liability insurance cover can protect you and your business against a number of risks, which you won't normally come across in your day-to-day private life. However, with the toughening of commercial and human rights legislation across Europe, it has become quite important to ensure that your business has adequate cover.

If you want to run business, personal or community events, you must be aware of the fact of how much planning and effort is required to make the occasion both safe and special for everyone. As an employer, you are required by law to offer a safe working environment, and where they are deemed liable, as well as to provide financial support to employees who are injured or assaulted in the course of their duty.

• The process of buying a special event liability insurance policy is quite simple and straightforward. You can either buy it online or by filling out an application form. You might also be required to attach documents like a copy of your driving license, passport and salary slip with the application form.

• When insurance providers confirm that the details you have given are all correct, then they will send you an agreement paper including the terms and conditions of the insurance policy, from the insurance company, You must go through all the documents, making sure that you read and understand every bit of it and if you are happy with the terms and conditions of insurance policy just sign the paper and return.

• Most special event liability insurance policies allow you to name your venue as additional insured and you might not need to pay any extra money for this. With the short term policy, you can save a lot of money and be protected against bodily injury and property damage claims arising from products and completed operations, personal injury liability, advertising and premises.

• A public liability insurance cover is designed to protect you from different types of claims that occur as a result of accidents during the event. For example, if one of your guests gets injured because of wet floor, you will have to pay him some money for that. This type of policy safeguards you against any claims for damages made by a third party (who is not an employee). For example, if you damaged a third party's property in the event of a professional visit to their premises or if someone visiting you gets injured in your office and it was your fault, you are liable to pay for the damages.

• An experienced special event liability insurance provider can really help in providing choices, advice, guidance and intelligent solutions and protect you against the things beyond your control. They will carefully assess your insurance needs, and then search for the product that best suits your budget and requirements. They can even negotiate a tailor-made policy for you, depending upon your circumstances.

The main reason for these policies is to help you get that all important peace of mind enabling you to focus on other aspects of your own event.

Nike