At Park Insurance, we specialise in sourcing insurance for hard-to-place risks. We understand how dangerous the firework industry can be, and are here to help you with firework event insurance and pyrotechnics cover that is both wide-ranging and suited to your budget.
What does firework and pyrotechnics insurance cover?
Due to the hazardous nature of fireworks and pyrotechnics, insurance needs to be specifically designed to protect operators, spectators, and property from potentially devastating injuries or damage. Fireworks display insurance from Park Insurance can be arranged for one-off events or for businesses that use fireworks and pyrotechnics.
We can arrange pyrotechnics and fireworks insurance cover for:
- Displays
- Wholesalers
- Retailers
- Importers
- Exporters
- Manufacturers
- Pyrotechnic Companies
Why do I need fireworks liability insurance?
It could be a public display, a concert, or a private celebration. No matter the event, many situations can result in a compensation claim. If a member of the public is injured by a firework at a display, an injury compensation claim, along with the legal fees that entail, can be considerable.
If an errant firework damages property and causes a fire, or if a member of staff is injured at a firework factory, this can result in significant financial claims, including substantial compensation and legal costs. If you use fireworks or pyrotechnics for a one-off display or as an importer or retailer, you need comprehensive, competitively priced firework insurance.
What isn't covered
It’s important to talk to your broker to find out what is and isn’t covered by fireworks or specialist pyrotechnics cover. Subcontractors should carry their own appropriate insurance, and this should be verified before engagement; event cancellation may be available as an optional cover, subject to terms, conditions, and notice requirements. Your fireworks insurance broker can help you determine your policy details.
The different types of policies to consider
Fireworks insurance isn’t just a single policy, but a portfolio of cover that protects you and your business from financial issues. Depending on the nature of your business, there are lots of different insurance options to consider.
At Park Insurance, we can advise you on which cover you do (and don't) need. If you're holding a public display, we'll talk you through the exact level of public liability cover you'll need for your event. If manufacturing fireworks is your business, we can advise on the specialist cover you'll need, including transporting or storing fireworks and pyrotechnics. Insurance and related add-ons include:
- Public Liability Insurance
- Employer's Liability Insurance
- Excess Layer Policies
- Commercial Combined Insurance
- All Risk Equipment Insurance
- Business Interruption (including increased cost of working)
- Goods In Transit
- Motor Fleet Insurance
- Event Cancellation
- Adverse Weather Insurance
- Travel Insurance
- Personal Accident and Sickness
- Legal Expenses
How much does it cost?
The cost of firework insurance will depend on several factors, including the level of cover you need and the type of insurance you require, such as pyrotechnics insurance and fireworks event insurance for a one-off event or business cover for a firework importer. Your insurance broker will be able to help you fine-tune your portfolio so that it suits both your needs and your budget.
Is public liability insurance mandatory for fireworks displays?
While not always legally required, public liability insurance is typically a condition of licensing and is often required by local authorities or event organisers.
What is the maximum indemnity limit I need for public events?
This will depend on your requirements. Your fireworks insurance broker will be able to talk you through the different levels of cover available and which would best suit your needs.
Speak to our team
When you arrange fireworks and pyrotechnics insurance through Park, you benefit from specialist expertise, tailored cover, and access to leading UK insurers backed up by over 30 years of experience.
Call us on 0117 9556835 or click the 'Get a Quote' button above for a free, no-obligation quote.