19.11.25

Stay Safe and Insured for the Festive Season

As the nights grow longer and festivities approach – whether it’s a neighbourhood bonfire or even early Christmas family get together – fire and fireworks often take centre stage. While they bring excitement and celebration, they also carry risks to property, people, and events. Ensuring you have the right insurance coverage is essential for peace of mind. Short term event insurance for the festive season is a great option.

Home Insurance Tips for Festive Fire Safety

The British Insurance Brokers’ Association (BIBA) urges homeowners to review their insurance coverage during periods of increased fire risk. Candles, fireworks, and bonfires can lead to incidents ranging from garden damage to fire spreading to homes or outbuildings. Common claims include:

• Shattered windows from fireworks or flying debris
• Damage to gardens or outbuildings
• Fire spreading beyond intended areas
• Personal liability if someone is injured on your property
• Theft during gatherings when homes may be left unattended

How to Safeguard Your Home

1. Review your insurance policy to ensure it covers fire damage, public liability, and theft.
2. Check for exclusions—some policies may not cover certain festive activities.
3. Consult your broker for personalised advice and coverage adjustments.
4. Follow fire safety measures such as supervising children, keeping fire extinguishers handy, and maintaining safe distances between fireworks, bonfires, and structures.

By taking these steps, you can enjoy your celebrations knowing your home is adequately protected.

Event and Firework Display Insurance

If you’re hosting a public or private fireworks display, additional insurance is crucial. Even a spectacular, well-planned display can be disrupted by unexpected weather or accidents. Firework display insurance protects organisers against the unique risks these events present.

Key Coverages Include:

• Public liability: Protects against claims if a guest or spectator is injured.
• Employers’ liability: Covers staff involved in the event.
• Event equipment protection: Covers damage to structures, staging, or fireworks themselves.

Common Risks to Consider

• Ensure fireworks are handled by trained individuals and sourced from reputable suppliers.
• Monitor weather conditions leading up to your event.
• Confirm that the venue can safely accommodate crowds and maintain safe distances from fireworks.
• Keep the area well-lit for guests to navigate safely.

Who Should Consider Fireworks Insurance

Firework insurance is suitable for a wide range of organisers—from schools and sports clubs to local businesses and festival coordinators. Bonfire Night coverage is typically included in standard fireworks display insurance policies, providing protection for both public and private events.

Event Insurance for the Festive Season – Combine Safety with Celebration

Whether you’re lighting candles for a religious event, setting off fireworks, or organising a larger public display, the combination of proactive safety measures and the right insurance ensures a smooth and worry-free celebration. For advice tailored to your home, event, or organisation, consult Cox Mahon for your insurance needs.

Information provided by Harrison Law, (Cert CII) Head of Commercial & Private Clients, Cox Mahon Ltd.