Am I covered on my liability insurance?

Question

I have public liability insurance as a market trader but am doing a charity stall at a council event that I have to have my own liability insurance for. Could anyone tell me if I would need a seperate insurance for the event or would I be able to use the liability insurance I have already?

Answer 1

Yes, the agent that writes your "public liability" policy would be able to tell you that.

Most of the time, for a commercial general liability policy, the insured location is described on the declarations page, or the GL rating page.  It's highly possible that since the charity stall at a council event isn't the described operations, you would at the very least, need to "endorse" the policy to add the charity stall location and/or operations to have coverage under that policy.

Answer 2

Probably not, you know what insurance companies are like. But clarify it with your insurance company- maybe get it confirmed in writing.

Answer 3

Call the person who wrote the policy and ask if the policy he wrote would such exposure.  You may have to a Special Event Policy for the council event.