Where standard cover falls short
Most standard home policies include personal or occupier’s liability cover, extending to the possibility of a guest bringing legal action against a host. The duty stems from the Occupiers’ Liability Act 1957, which requires a host to take reasonable steps to keep guests safe against foreseeable and preventable risks – not every possible hazard, but those that responsible management should identify and address. The moment a host begins charging for admission, the event’s character changes in the eyes of underwriters, and cover designed for social occasions may no longer respond.
