With plans for the many events during the Derry/Londonderry UK City of Culture continuing to gather momentum, local councils and private companies are putting the final touches to their planned events and parties.

So, is this the time to remind event organizers and party planners (not forgetting the local residents groups) of the dangers of not having the proper liability insurance policies in place?

Organisers and event planners, whether hands-on or enlisting any external suppliers for event and entertainment services are reminded that having the proper level of public liability insurance should be a number one priority. It is essential that full insurance cover is in place when planning to offer food and drinks or organising such things as a fireworks display.

Party planners - lest anything untoward were to happen, and claims arose as a result - should really think about taking out public liability protection. While local residents groups, planning smaller low-key street parties, are also advised to contact their local councils for further guidance on public liability insurance requirements for their specific areas.

The number of things that can go wrong at street parties are untold. Accidents at street parties and even illnesses can be directly attributed to attendance at such street events.

In today’s “compo climate” people are increasingly aware of their legal rights, and are more willing, and able, to resort to legal action to obtain redress for injury, loss or damage caused by another party.

Reforms to the legal system and a claimant-friendly legal environment mean that it’s all about instigating claims if blame can be apportioned.

Finding the right type of business insurance can be somewhat daunting and it is advisable to check with your local Trading Standards Office or chamber of commerce who may have the information you need to choose the proper level of insurance cover, before committing to any agreement.