Coverage

A statutory duty, and the cover to match it.

Martyn's Law is largely about preparedness, planning, training, documentation and evidence. Traditional products address parts of that, but few were written for the obligations the Act creates. Our proposition is built as six modules that can be arranged around a venue, an event, or a named individual.

Module content is indicative and subject to insurer appetite, underwriting and policy terms. Nothing here is an offer of cover or a statement of what any policy will pay.

Module 01

Responsible Person Protection

Built around the named Responsible Person or Senior Responsible Person who carries personal ownership of the risk strategy.

Professional Indemnity

  • Allegations of inadequate risk assessment
  • Deficient security procedures
  • Negligent advice
  • Inadequate training programmes
  • Compliance not implemented in practice

Directors & Officers

  • Defence costs
  • Regulatory investigations
  • Alleged wrongful acts
  • Breach of duty claims
  • Employment-related allegations

Regulatory Defence

  • SIA investigations
  • Interviews under caution
  • Regulatory proceedings and appeals
  • Enforcement notices
  • Representation costs

Income Protection

  • Loss of earnings during regulatory investigation
  • Suspension from duties
  • Enforcement action
  • Ongoing legal proceedings
Module 02

Venue Liability Protection

The organisational layer for premises operators, charities, schools, sports clubs and local authorities.

Public Liability

  • Third-party injury arising from operation of the premises
  • Third-party property damage
  • Claims following an incident at the venue

Employers' Liability

  • Injury claims brought by employees
  • Relevance of training and drill records
  • Emergency planning evidence

Management Liability

  • D&O wrap
  • Corporate legal liability
  • Employment practices liability
Module 03

Event Protection

For one-off and annual events, where exposure is concentrated into a single date.

Event Public Liability

  • Third-party injury at the event
  • Property damage
  • Organiser liability

Event Contingency

  • Cancellation and abandonment
  • Postponement and curtailment
  • Reduced attendance
  • Extensions for regulatory closure, security concerns, terrorism threat and failure to obtain approvals

Terrorism

  • Property damage
  • Business interruption
  • Denial of access
  • Loss of revenue
  • Additional security costs
  • Placed via Pool Re supported markets
Module 04

Casual Staff & Volunteer Protection

Bag search staff, stewards, crowd management teams, marshals, first aiders and temporary event workers — their actions expose the organiser.

Organiser's Public Liability

  • Primary protection against claims arising from the acts of casual workers and volunteers

Employers' Liability extension

  • Temporary staff
  • Casual workers
  • Volunteers
  • Agency personnel — subject to terms and insurer agreement

Personal Accident

  • Accidental death
  • Permanent and temporary disablement
  • Medical expenses
  • Particularly relevant to volunteer-based organisations
Module 05

Contractor Verification & Compliance

Evidencing that security contractors are appropriately licensed and insured is a practical part of demonstrating Martyn's Law preparedness.

Minimum requirements we check

  • Valid SIA licences for every operative
  • £5m Public Liability
  • £10m Employers' Liability
  • Professional Indemnity where advice is provided

Verification service

  • Insurance validation
  • Policy limit verification
  • Expiry date monitoring
  • Compliance reporting
  • Approved contractor register
Module 06

Crisis Response Protection

Support in the hours and weeks after a serious security incident, when reputational and welfare costs land fastest.

Response services

  • Crisis communications for media, customers, staff and stakeholders
  • Reputation management, social response and PR strategy
  • Emergency legal support — solicitors, regulatory specialists, crisis advisors
  • Counselling and welfare for employees, volunteers, victims and witnesses
  • Incident response consultants
Product Structure

Four packaged levels.

Rather than assembling cover line by line, most organisations start from one of four packages and adjust. Limits and pricing are set case by case with the underwriter — we do not publish indicative figures.

Level 1

Bronze

  • Public Liability
  • Employers' Liability
  • Legal Expenses
  • Contractor Verification Toolkit
Level 2

Silver

  • Everything in Bronze
  • Directors & Officers
  • Regulatory Defence Costs
  • Personal Accident
Level 3

Gold

  • Everything in Silver
  • Professional Indemnity
  • Crisis Management
  • Income Protection
Level 4

Platinum

  • Everything in Gold
  • Event Contingency
  • Terrorism & Business Interruption
  • Crisis Communications and PR
The Uninsured Gap

What conventional policies tend to leave out.

Existing liability programmes rarely respond to the specific consequences of a Martyn's Law compliance failure. These are the exposures we most often find unaddressed on review.

Regulatory investigation costs
SIA defence costs
Representation at interviews under caution
Loss of income following suspension
Crisis communications and reputation management
Contractor compliance verification
Event readiness management — evidencing the named person's duties

Speak to a specialist broker

Tailored cover for venues and event organisers preparing for enforcement in April 2027.

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