This is how the Three Kings parades are insured

"Occident offers protection to the Three Kings parades through civil liability insurance"

The Three Kings parades are some of the most anticipated events of the year, with thousands of families lining the streets to enjoy a night full of excitement, music, and colour. However, carrying out this festive tradition with the utmost security and peace of mind requires taking measures against possible risks and unforeseen events, both for the participants and the general public.

As a result, Occident offers civil liability insurance solutions for the protection of the Three Kings parades, guaranteeing maximum peace of mind in the face of any eventuality. 'Each parade is unique and requires the collaboration of administrations, associations, and volunteers. At Occident we strive to offer solutions tailored to each municipality, with the aim of guaranteeing the protection and security of these celebrations, preserving the magic of Three Kings' Night', explains Manuel Martínez, Director of Business Insurance at Occident.

As for the parades insured in 2024 by Occident, Andalusia concentrated the largest number, making up 34% of the total, followed by Catalonia (22%) and the Community of Madrid (17%). Next came the Valencian Community (6%), the Basque Country (5%) and the Canary Islands (4%), among other autonomous communities.

Civil liability insurance, an essential ally

The civil liability insurance offered for Three Kings parades covers compensation arising from personal or material damage caused to third parties during the event. Additionally, it includes coverage such as legal defence, bonds required from the insured party, and legal expenses in case of claims.

In fact, you can see thousands of people in the streets for these parades, so the exposure to risk is high. Among the most common claims for this type of event are:

• Injuries to participants or the general public from thrown objects, such as sweets.
• Falls or collisions involving vehicles during the parade.
• Damage to public or private goods during the parade.
• Incidents resulting from organisational failures (signage, access or security).
• Accidents involving moving vehicles or carriages.

Furthermore, this type of policy provides multiple benefits, among which compliance with municipal regulations and legal requirements are highlights—since, to obtain permits, organisers must provide proof of a civil liability policy that covers damages to third parties during the event, in line with regional regulations and local ordinances on public shows; economic protection against unexpected claims, from accidental injuries to material damages suffered by third parties; peace of mind for local councils, cultural associations and event companies, who can carry out their activities with a greater feeling of confidence; and the flexibility to be able to take out temporary insurance tailored to the exact duration of the event, avoiding unnecessary costs.