Rural weddings are becoming increasingly popular as they offer an alternative to the traditional stately home or posh hotel and can be significantly more cost effective and eco-friendly.
Here are just a few things to look out for if you arranging weddings on your land:-
Food & drink – If you are supplying any food and drink as part of the arrangements to host the wedding, have you ensured you have any food poisoning cover? Arrangements to hosts guests of usually 100+ can leave you exposed if you haven’t thought about food hygiene and potential claims for ill guests.
Land liability – As guests are on your land, make sure your insurers are aware you are hosting weddings, especially if they are using any outbuildings. If anyone were to get injured slipping on your land or get hurt in one of the outbuildings, they could claim directly from you. You may need to get a separate wedding event insurance policy as your farm insurers may not want to cover such things.
Cancellations due to weather – Do you check guests have wedding insurance when they book with you that includes cancellation cover? Or do you have a written contract or procedures in place for bad weather?
Probably the closest diversification to normal farming is showing off all things rural in an annual agricultural show.
Our founder Michael O’Connor is President of our local Trawden Agricultural Show so we know a thing or two about what it takes to put on a show. Here are a few things to consider when looking at your agricultural show insurance.
Cancellation – You have prepared all year, put in hours of work and then the week before we have a years’ worth of rain which causes the event to be cancelled. Although it’s an additional cost adding cancellation cover to your agricultural show event insurance in our opinion is a must as you still have to pay costs if the show is cancelled.
Third-party stalls – Usually you will want third parties to come to add extra exhibits and food to your show. Just make sure that you have checked their insurance is valid and in place as any claims made against them could fall on you if they haven’t got any insurance in place.
Members of the public – Agricultural shows are a great family day out but, with anything like this, there is usually a lot of children so make sure you have secured all the animal areas so children can walk around safely and have clearly sectioned off areas that could cause any harm. The last thing you want for your reputation is to have a child hurt at a show.
You are probably not arranging Glastonbury but it might be like Glastonbudget. Using your land for one off festivals or events can be a real positive for the area and good use of your land out of season.
Here are a few things to look out for when arranging festivals on your property.
Cancellation – If you have to cancel a festival it may mean you still have to pay for acts, stalls and equipment such as staging. Ensure you have cancellation cover in place so you don’t need to pay for the additional costs should you have to cancel the event.
Glamping – If you have erected or purchased any glamping tents/pods to use for your guests, ensure you have fully considered the risks such as malicious damage and liability risks of having people in your accommodation.
Third-party stalls – Usually you will want third parties to come to add extra exhibits and food to your festival. Just make sure that you have checked their insurance is valid and in place as any claims made against them could fall on you if they haven’t got any insurance in place.