What public liability insurance coverage and classification do I need for Christmas markets and event activations?

Members recommend securing **£5M of public liability cover** as a minimum—this is required by many event organisers. Several insurers and brokers have been used by the community:

- **Simply Business** (simplybusiness.co.uk) — easy to deal with and competitive pricing - **FSB** — recommended as a route for cover - **CMTIA** (cmtia.co.uk) — described as "the bog standard" option, though verify they cover your specific event type before applying

One member reported that CMTIA initially said they don't provide event cover, so confirm coverage explicitly when applying—don't assume. Another member noted they obtained £5M cover through a broker and believed it covered events, but recommend double-checking the policy wording.

**Key caveat:** Classification and specific event coverage terms vary by insurer and event type. Contact brokers directly to confirm your Christmas market or activation qualifies under their policies before committing.