FIREWORKS
There are several sub-pages to this page of our web site, it includes a questionnaire which you can download and then complete and post or email to us.
To view the questionnaire without downloading
Download the questionnaire.
WHO QUALIFIES ?
Our scheme has been specifically designed for all firework professionals (not members of the public) and may be classified as follows:-
- display organisers / firers
- firework sales / distributors
- firework component assemblers
- firework manufacturers
- theatre cold fallout pyrotechnists
COVER and INSURERS
The scheme is divided over the following covers, each with a specialist insurer:-
- Compulsory Public and Products Liabilities - Eagle Star (Zurich group)
Covers injury to the public or damage to their property (by your negligence). The policy has been deliberately left open so that there are a minimum or cover restrictions, the cover is as wide as is possible. Automatic inclusion of legal liabilities for firework transportation, storage and whilst held on display site. Also includes all normal ancillary activities such as sale of sparklers, glow-in-dark novelties, etc., and use of ancillary activities such as confetti cannons, lighting and sound equipment, etc.
You must tell us if you become involved with bonfires, food and drink catering on site, sale of fireworks, firework component assembly or firework manufacture.
- Employers Liability - Eagle Star (Zurich group)
Your legal liability for employee injury (by your negligence) You must take this cover by law, if you employ anyone. Beware…casual helpers would be classed as employees if you control the manner in which they do their work. Whether or not you pay these people is irrelevant.
- Automatic Personal Accident - Lloyd’s of London
If you or your workers are injured the policy pays whether or not there was any question of negligence (subject to normal policy restrictions). Automatically includes you, your firework business partners / co-directors and all employees and casual help! The beauty of this cover is that even a claim for an employee is payable to you and it is up to you whether or not you keep the payment or pass it on to the employee. If you keep the claim payment you could use it to pay for temporary help whist the employee is away and still being paid.
- Free telephone Legal Advice – Royal & Sun Alliance Insurance plc
Legal advice for your firework business. You have the option to increase the cover to partial or full legal expenses insurance – would include for example defending a storage licence revocation.
- Loss or damage to Own Property (Material Damage) – Lloyd’s of London
Optional cover for fire, special perils, theft and accidental damage on firework stocks, the storage container or building, fireworks in transit, loss of profit following loss of stock, etc.
No insurance survey, once you have been accepted under the scheme (and therefore approved as professional), it is assumed that you will keep your stock and premises in accordance with regulations and HSE guidelines, and that you will show due care with your property (example… you would use a B. S. five lever close shackle padlock or mortise deadlock, or better, on firework stocks).
- Optional cover for Cancellation of display due to bad weather – Shield Polices (although not widely known to the public they were established in 1923 and offer one of the best claims services in the UK market)
Although you probably have a standard contract with the customer regarding forfeiture of deposit, cancellation of the display may still result in financial loss; you may even wish to publicise that you would return the deposit if the display had to be called off due to bad weather. The choice is your’s.
You have two options, either insure an individual display or all displays for a season. As you might expect, the ‘all displays’ version is a bit cheaper as with any form of bulk buying.
- Motor insurance – Cornhill Insurance Company
We have a special scheme for vans and lorries that usually proves cheaper than any other insurer and specifically includes the carriage of fireworks for business purposes. We do not have any special arrangements for cars however.
- Household insurance – Insurer will depend upon the type and size of your home
All of our household schemes include the storage of fireworks in the home or in the grounds, subject of course to you complying with Trading Standards Office regulations.
We will be pleased to indicate premiums over the telephone
but please download and complete the questionnaire and send to us by post or email