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Insurance can be a problem, obviously we protect ourselves from all forms of public liability we can envisage and exclude all else via our standard conditions. Low budget events raising funds for good causes often have no such facilities so we have the kind of policy which extends to cover them too. This is why its so important that we know exactly what you are planning to do because its very easy to step outside the coverage provided. Any commercial venture is excluded but now we get into legal definitions somebody offering goods or services for sale by way of trade would not be covered by our policy. Where volunteers sell produce to raise funds for their community group no individual is drawing personal income and so it is not commercial. As a general rule if you are operating on the fringes and not sure, we recommend you play safe and obtain specific cover for the day.
Some activities require licensing, we hold a license covering much of what our hirers do but it has limits. Should your plans step outside those limits you will need to get yourself a license e.g. to sell alcohol. We have spent some time with the authorities at Uttlesford and put together a page of guidance, down load it by clicking below. Once again if you are on the edge and unsure phone the Uttlesford number we have provided you will find them most helpful. I recently asked if we could give some of our craft fair customers a complimentary glass of wine and the answer was yes, so we will. While I was at it I asked if our Tombola was legal with current new gambling laws and it was but only if we sold the tickets and drew the prizes on the day, if we sold them beforehand it became a lottery and needed a license.
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