Christmas Lights Insurance

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Our Christmas Light insurance & Christmas Tree insurance Policies offer public liability protection for all parties. Get a free quote today.

You wouldn’t want a mishap to dampen your Christmas spirit. With our comprehensive insurance policy in place, we can burden the worry so it doesn’t ruin your event.

Designed for you from £242
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Why Choose Us?

Industry Experts

Established in 1996, we have specialised in providing reliable, competitive event insurance that is appropriate and affordable.

Excellent Claims Handling

Our highly skilled in-house claims department deals with all claims as quickly, efficiently and sympathetically as possible. We have been recognised for our exceptional customer service.


Our insurance is easy to understand and simple to buy, and our expert team is on hand to provide advice and assistance.


Our policies are underwritten by one of the world's most reputable insurers. 90% of our clients come back to us because our policies give them the reliable, affordable cover they need.

During the jolly season, many towns and villages transform into a Christmas wonderland, streets are adorned with colourful light displays and Christmas trees.

Your demands and needs 

This product meets the demands and needs of those looking to insure their Christmas Lights and/or Tree display for Public Liability.

You should read and check all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply to your specific circumstances.

Our Christmas Lights Insurance Policies are specially designed to cover you for the duration of your display.

Every year there are many Christmas lights incidents where poor organisation and poorly placed lights can cause serious damage. That is why we have created a specific policy to cover you from any public liability if things don’t go as planned.

Our policy covers the organiser of a display for up to 10 weeks with varying levels of public liability cover for as little as £242.

Who needs Christmas Lights Insurance?

Christmas lights insurance is ideal for anyone planning an event which includes a public display of Christmas lights. Event such as public or town centre Christmas lights displays, Santa’s Grottos, Christmas parties and Christmas fairs which include decorative Christmas Lights will all need a Christmas lights insurance policy in place to ensure all eventualities are covered. It is also important for public Christmas tree displays with Christmas lighting to be insured.

What’s covered by Insurance for Christmas Lights?

Our Christmas lights insurance policies will cover your legal liability to pay any claimants costs, expenses or damages which occur in connection to your Christmas lights. This will include accidental bodily injury to any person, accidental loss of or damage to property which does not belong to the policy holder and accidental obstruction, trespass, nuisance or interference with any right of way, air, light or water.

Christmas Tree Insurance

Insuring large Christmas tree displays is hugely important as there is a higher risk of things going wrong when you have a large number of lights attached to a Christmas tree. Our Christmas lights insurance policies can also cover your Christmas tree, just speak to our friendly advisors about your specific display and we can create a policy which works for you.

Typical Risks Associated With Christmas Light Displays

Before implementing you Christmas light display, you should carry out a full risk assessment to ensure that and potential hazards are minimised. There are several specific risks you should watch out for:

  • Using poor quality equipment
  • Inexperienced employees handling the Christmas lights
  • Dangerous weather conditions threatening the stability of the display
  • Flammable materials
Our Christmas lights insurance policy has been designed to adhere to council requirements, offering you the most comprehensive package possible.

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