Insurance

At BAPIA we understand the business needs of our members which is why one of the key benefits of membership is the FREE Public & Products Liability insurance cover that is provided for all members. The policy has been tailored for the party industry over many years and continues to evolve as the industry grows and diversifies.

Our Insurance broker is a company called Sharrock Insurance and we have been working with them for around 10 years and have built a strong relationship with them.

The insurance is underwritten by a company called Hiscox who are a very large, long established, global insurance provider based in the UK.

  • In short, no you do not legally have to have public liability cover, but it is very highly recommended. If there is a claim and you do not have cover it can end up costing you a lot of money. Also, many venues will ask to see proof of cover before they will allow you in to set up.

  • £10 million Public & Products Liability cover:

    This protects you against claims by other people for personal injury or property damage that occurs as a result of the products or services that you supply. (subject to the service or product being covered under the policy)

    £10 million Employers Liability cover:

    This covers you for up to 5 employees and protects you against claims by those employees for personal injury or property damage that occurs as a result of the work they are doing for you. This also covers friends and family who may assist you from time to time. Employers liability cover is a legal requirement if you employ any staff.

    £100,000 Professional Indemnity cover:

    Professional Indemnity insurance protects your business against claims for financial loss or damage resulting from negligent advice.

    24/7 Tax & legal helpline:

    Access to a 24/7 tax & legal helpline is available to you where you will be able to seek some early advice before deciding whether to employ the services of a solicitor or accountant.

    £25,000 Crisis containment cover:

    Crisis containment insurance covers you for the costs of engaging the services of a public relations crisis specialist in relation to a covered claim under any section of your Hiscox policy, unless specifically excluded.

  • As a FULL BAPIA member you are covered for a very broad range of products and services in the party industry including (but not limited to):

    • Balloons & Balloon Gas

    • Venue decoration

    • Florals

    • Props

    • Face & body painting services

    • Food & drink (subject to exclusions)

    • Fancy Dress & Mascots

    • Balloon & Floral training

    • Entertainers

    • Bubble Houses

    For a more comprehensive list please click here →

    As a Face Painter member you are covered for:

    • Face painting

    • Glitter Tattoos

    • Henna

    • Hair Braiding

    • Window art

    • Air brushing

    • Re-potting of face paints

    • Use of gazebo as protective cover for face painting services.

  • After a number of serious incidents involving bouncy castles they are considered to be a high risk and therefore they cannot be included on our policy, but our brokers can arrange cover for you as an addition to the cover provided.

  • Yes there is an excess on every claim:

    £250 each and every claim for third party property damage. This means that you will pay the first £250 of every claim.

  • The insurance cover provided DOES NOT cover your stock and equipment.

    However, our brokers will offer discounted rates for BAPIA members to protect their stock and equipment against loss, theft etc.

If you are unsure if the cover provided is suitable for you or if you want to check if a product or service that you supply is covered, please contact us and we will do our very best to assist you and if we cannot do so we will refer it to our brokers.