Insurance for Events, Planning &
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Why do Event Promoters need insurance?
Whether you’re planning a one-time event, or you are a full-time professional in the industry, you can find affordable and dependable insurance policies tailored to your small business. BizInsure can help you compare entertainment insurance, special event insurance, wedding insurance, and coverage for a wide range of event planning professionals.
There are a lot of details that must be managed for an event to go smoothly. With so much to organize and do before, during, and after an event, there’s always a chance that something will go wrong. Even a minor holdup can throw off the entire schedule of a wedding, conference, or other event. If a client later alleges that your work caused them a financial loss, they could sue you for damages.
In order for events and scheduling to go smoothly, there are a lot of details that must be managed. As someone participating in or planning an event (or many events), there is always a chance of an accident or a mistake happening. Whether you’re planning a one-time event or you are a full-time professional in the industry, BizInsure is where you can find affordable and dependable insurance policies tailored to exactly what you are looking for. Click or call us to compare insurance quotes for your event or business today.
Did you Know?
Event planners should consider Professional Liability insurance in addition to other coverage.
Events, Planning & Organization insurance covers a broad range of professions.
We help insure Planning and Organization professionals and we can also help insure your Special Events including (but not limited to):
|Event Management||Travel Agents|
|Event Planner||Wedding Consultants|
|Meeting Planner||Wedding Planner|
|Personal Assistant / Concierge||Professional Organizer|
And many more…
Professional Liability Insurance (aka E&O insurance) – Events, Planning & Organization
If you are a full-time or part-time professional in the events, planning & organization space, expectations can be very high and attention to detail is critical. Thus, a dependable Professional Liability insurance policy is essential. A Professional Liability insurance policy may protect you when a customer or other third party is unhappy and looking for reimbursement due to the services or actions that you have provided.
A Professional Liability policy can cover yourself, your employees and your independent contractors from actual or alleged negligence, failure to perform, inaccuracy, bad advice and other common risks faced by planning, events and organization professionals.
As an example, travel agents are often accused of under-performing, wedding planners are blamed for failed wedding receptions and professional speakers could fail to show up on time. In all these occasions and many others, a Professional Liability policy could cover your defense costs and resulting damages.
General Liability – Events, Planning & Organization
A very common and important insurance requirement in the events & planning world is a General Liability insurance policy. It protects against claims of bodily injury or property damage and it includes medical cost reimbursement for injured parties. General Liability policies can also include Liquor Liability for individuals who are hosting the events.
Accidents and mistakes can happen when people get together and that is why General Liability is so important. Having the right General Liability insurance in place at the time of a loss is a critical component to protecting your assets.
Business Owner’s Policy (BOP) – Events, Planning & Organization
A Business Owner’s Policy (BOP) is a powerful insurance package that includes General Liability protection (above), plus the option to cover your business property, your non-owned business auto liability, business interruption losses and more.
For individuals or businesses in the event & planning industry, a BOP is a convenient and affordable way to protect their business against some of the industry’s common exposures.
How much does Event Planner insurance cost?
The premium you can expect to pay for your Event Planner insurance will vary depending on several factors. Even event planners working in the same city might find that they pay different premiums because other aspects of their business differ.
Some of the factors used to calculate your Event Planner insurance may include:
- Where you work – The city, state, or region where you work can impact your insurance premium.
- Size of business – Taking on large event contracts can increase the chances of something going wrong. This added risk can impact how much you pay for insurance.
- Claims history – If you have a history of liability claims, this may indicate that you’re a higher risk for future claims.
- Risk management procedures – Steps that you or your business are taking to minimize the chance of future claims could affect your insurance premiums.
- Amount of coverage – The amount of insurance coverage you need or want is used to help calculate your premiums.
Frequently Asked Questions (FAQs)
Is Event Planner insurance required?
Some forms of Event Planner insurance coverage may be required by law in certain states. It is always wise to check your state or local small business office’s website to learn what types of insurance, if any, are required for event planners in your area.
Generally speaking, event planners may be required to have General Liability or Commercial Auto insurance to help protect against third-party claims of injury or property damage.
Does Event Planner Insurance cover weddings?
Event Planner insurance can help protect wedding planners as they coordinate and manage these events. This type of insurance typically provides Professional Liability and General Liability coverage to safeguard you against common claims, such as:
- Third-party bodily injury
- Damage to client, customer, or vendor property
- Errors and omissions in your work
- Breaches of contract
Event planner insurance may also provide protection against other types of claims that are not listed above. Your policy documents will include the details of what is and isn’t covered.
What is Special Event insurance?
Special Event insurance can help protect event planners, hosts, and other event professionals against liabilities, such as accidents, injuries, or property damage that may occur during an event they are planning for a client.
Your Special Event insurance policy can be tailored to fit the needs of many kinds of events you may coordinate as an event planner. This may include General Liability coverage, as well as coverage for alcohol if it will be served or sold during an event.
How to get a certificate of insurance for an event?
You may be asked to provide a certificate of insurance by a venue before you can begin planning an event on their premises. State or local governments might also provide proof of insurance to obtain permits for holding large outdoor events.
A certificate of insurance for an event can be provided by your insurer. After you have purchase a policy for yourself, your insurer will email, mail, or make the certificate available to download from their website at your convenience.