Firework parties this 5 November are at risk after insurance companies refused to provide cover. Bristol-based Torrible's said it could still cover licensees for bonfire nights but not firework events because of the public liability risks. It is believed insurers have seen a big increase in claims under "no win, no fee" arrangements arising out of firework displays. Insurance companies say that many licensees are unaware that existing pub policies may not give them the public liability cover which is necessary for such events. Federation of Licensed Victuallers Associations chief executive Tony Payne said firework parties were fraught with dangers anyway. "There have been a number of tragic cases over the years of people being injured at pub bonfire events and there was one incident in the Midlands where a customer died after being hit by a firework. My advice to licensees is to consider very carefully before arranging a bonfire and fireworks party." Sue O'Leary, of licensed trade insurance specialists Marsh, said: "We will be charging an additional premium [for bonfire nights] and impose conditions including the requirement to have first-aid personnel in attendance beforegiving cover. But some companies may not give any cover at all.