Bonfire Night: Don't Let Fireworks Spark an Insurance Problem!

Bonfire Night is a great British tradition, bringing communities together to enjoy fireworks, bonfires and autumn celebrations.

But while the night sky might be full of colour, fireworks and open flames can also present risks to businesses, properties and the people around them.

Whether you're a business owner, landlord or organising a seasonal event, a little preparation can help prevent an enjoyable evening from turning into an expensive problem.

Here are a few things worth considering this Bonfire Night.

1. Protect Your Business Premises

Fireworks can pose a risk to buildings, particularly when used close to commercial premises, storage areas or neighbouring properties.

Before Bonfire Night, it's worth checking that outdoor rubbish, packaging and other combustible materials are stored securely and away from potential ignition sources.

Make sure external areas are tidy and that any fire safety measures are maintained and accessible.

If your business premises will be unattended during the celebrations, take a few minutes to check that everything is secure.

2. Are You Hosting a Fireworks Event?

Some businesses, pubs, clubs and community organisations arrange their own Bonfire Night celebrations.
If you're planning an event involving fireworks, it's important to consider the additional risks.

Organisers should carry out an appropriate risk assessment, follow official safety guidance and check whether any permissions or additional precautions are required.

You should also speak to your insurance broker before the event to establish whether your existing liability insurance covers the proposed activities.

Don't assume that a standard public liability policy automatically includes fireworks displays.

Using a professional fireworks operator may be appropriate, particularly for larger events.

3. Landlords and Property Owners Should Be Prepared

Bonfire Night can also present risks for residential and commercial property owners.

Fireworks landing near buildings, sheds, fences or outdoor storage areas can potentially cause damage.

Landlords may wish to remind tenants about fire safety and any restrictions on fireworks or bonfires contained in their tenancy agreements.

It's also worth reviewing your property insurance to understand the protection provided for fire and accidental damage, along with any relevant conditions or exclusions.

4. Understand Your Insurance Cover

If a fire or other incident causes damage to your premises, equipment or stock, the financial consequences could be significant.

Buildings and contents insurance may provide protection against certain types of damage, depending on your policy.

For businesses, it may also be worth considering whether business interruption insurance could help with qualifying financial losses following an insured incident.

However, policies differ, and not every type of damage or interruption will be covered.

Understanding what your insurance provides before something happens is always preferable to finding out afterwards.

5. Enjoy Bonfire Night Safely

Perhaps the simplest advice is also the most important.

Where possible, attend a professionally organised fireworks display and follow the advice of the organisers.
If you're responsible for arranging a display, follow the Health and Safety Executive's guidance and ensure appropriate safety arrangements are in place.

A little planning can make all the difference.

We're Here to Help

At LBH Insurance, we've been helping businesses and individuals with their insurance requirements since 1949.

From commercial property and public liability insurance to cover for landlords and business owners, our team can help you understand your options.

If you're unsure whether your existing insurance arrangements are suitable for your circumstances, we're always happy to discuss your requirements.

Wishing everyone a safe and enjoyable Bonfire Night from all of us at LBH Insurance!

Call us on 01702 347889 for a no-obligation, competitive quote—and peace of mind that your cover reflects both your risk and your reputation or email enquiries@lbhinsurance.co.uk.