Public Liability Insurance website PublicLiabilityInsurance.org urges organisers of Halloween parties and events to pay attention to their public liability cover in order to avoid any scary financial accidents.
Whilst it has taken the United Kingdom a few decades to start catching up with its American cousins, Halloween celebrations continue to increase in popularity and volume.
Many of the organised parties due to be held on or around 31 October are arranged on behalf of children, by parents and guardians, teachers, local community groups, and professional event organisers.
Figures provided by the Royal Society for the Prevention of Accidents (RoSPA) reflect that the spooky tomfoolery for which children’s Halloween parties are intended can take on a rather more sinister significance in the absence of suitable liability insurance.
According to RoSPA, over a million children in the under 15 age bracket per year suffer accidents at home requiring hospital treatment. This estimation does not include accidents that are treated by GP’s, parents and other responsible adults.
Furthermore, the majority of accidents happen during the latter part of afternoons and in early evenings, often when children are in states of over excitement due to departures from their regular routines, and often when adults supervising them become distracted or supervision is fundamentally inadequate. Additionally, a major contributory factor to childhood accidents is unfamiliarity with their environments.
What RoSPA describe as potential danger zones in which children are most likely to suffer accidents highlights the disastrous potential presented by Halloween parties.
PublicLiabilityInsurance.org spokesperson James Buck, said: “The growing phenomenon of Halloween parties is great fun and real treat for the youngsters. However, it is of imperative importance that every due care and attention is paid to public liability cover.”
“Childhood accidents have always been a natural part of the growing up process. Adults who are used to caring for children, and adults who care for children or arrange children’s events for their living, may feel that it is a little patronising to have safety risks of Halloween parties pointed out to them.”
“However, modern society has increasingly evolved in to a very litigious one. No matter how trivial an accident might be, if a child should burn or scald itself on a hot dish or drink, slip on stairs, choke on a trick and treat sweet, or swallow too much water whilst ducking for apples, claims might be instigated against well intentioned organisers.”
Notes to editor:
PublicLiabilityInsurance.org provides detailed information and guidance on the importance of Public Liability Protection for individuals and small business.
We understand that finding the right type of business insurance can be a tricky and somewhat daunting task. Our aim is to provide individuals with the information they need to choose the level of insurance cover that will protect themselves and their business should the worst happen.
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James Buck at PublicLiabilityInsurance.org
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