Rank: New forum user
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I am assisting a small voluntary group with preparing a risk assessment for a small carnival procession. I am aware that the float owners require public liability insurance and that the voluntary group will require a copy of this, however do the float owners also have to submit a letter from thier insurance brokers stating that they are covered to carry out such an activity as a carnival parade.
Any help will be very much appreciated.
Diane
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Rank: Forum user
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Diane I would get the organisers to check quickly what their insurers say about floats. Our local jubilee carnival has been told by their insurers that floats (with people standing on them) cannot be used for our parade - the insurers will not cover it with or without a risk assessment. We'll all be walking! Just out of interest we have also been given permission to close a public road for the carnival but we are having to do it ourselves - the police and district/county council will have no involvement.
Good luck (with the weather as much as anything else!)
Lucy
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Rank: New forum user
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Hi Lucy,
Thank you for your response, i have emailed the group to pose the question. I will let you know how they get on.
Thanks once again
Diane
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Rank: Super forum user
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Lucy D wrote:Our local jubilee carnival has been told by their insurers that floats (with people standing on them) cannot be used for our parade - the insurers will not cover it with or without a risk assessment. We'll all be walking! Lucy This seems ridiculous. Why refuse insurance? It's risk based, so load the premium if they must, but there are lots of other activities where the worst case scenario would be worse than people on a carnival float. After all insurance companies purely work on the financial risk. Infuriates me that activates get cancelled (or changed for the worse) due to lack of insurance. Wonder who insurers the Notting Hill carnival floats etc?
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Rank: Super forum user
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In recent years I think I've seen TV news items, etc which have featured processions in the UK (perhaps Notting Hill Carnival for example) with people on floats. If my memory is correct, I wonder if the lorry operators and organisations involved had appropriate insurance cover. If so, who provided such cover, was it at exorbitant cost and did it include any conditions e.g. the need for people on floats to remain seated while the lorries are moving?
This topic reminds me of prancing about dressed as a medieval knight with others on a large flat back lorry in 1974 as part of a student rag week procession for charity. The rag organisers arranged with local haulage firms to provide lorries with drivers for the various student groups taking in each year's procession. Goodness knows what arrangements, if any, were made regarding insurance for the processions. If anyone knows if such events still include processions with floats, perhaps via offspring at college, they might be able to add relevant information about insurance and risk management.
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Rank: Super forum user
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Most insurance companies won't say you are not covered. They will advise/require you to do certain things before they will cover you and of course they will charge you an additional premium but they will insure you. The cost may well be something that is so high that it is unaffordable and the conditions may be rather draconian but you need to speak to your insurer to find out.
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Rank: Forum user
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I promise you we have been refused insurance.
We have also been refused permission (by another insurer) to burn waste in the wood that we as a community bought from the local council and now maintain as volunteers. As you can imagine that is causing us real problems with waste build up - although I'm sure it is creating great habitats for some of the animals that live there!
Luckily enough the Parish insurance has now come up for renewal and we have found another supplier who is more understanding and realistically says that as long as we manage it properly, and assess the conditions each time we want to burn, we can do it.
This is why the general public have a poor perception of "elf and safety" (yes, I almost did get blamed for us not being able to have floats) - but is it the health and safety profession that are creating this "red tape?" Answers on a postcard to Mr Cameron.
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Rank: Super forum user
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Lucy your point about finding another insurer who is more understanding to your needs proves my point, there are insurers out in the market who will insure you for almost everything but at a cost, some won't touch it but some will.
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Rank: New forum user
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