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Why is Business Insurance Important for Event Planners?

Jun 20, 2023 · 3 minutes to read

Events don’t always run as planned, and the many moving parts required to make a party successful increase the chances that something will go wrong. The risk of something going wrong increases when you have a large group of people. A guest could trip over the cord for your turntable, or someone might complain about food poisoning.

If you have the right event insurance in Georgia, it will protect your business in case of an accident.

Entertainment businesses need liability insurance

Entertainment liability insurance will cover you if your guest breaks their wrist after tripping over the gift table or if you are accused of damaging club speakers.

Combining these two types of liability insurance is recommended:

General Liability covers the most common types of accidents that occur when working with clients, including property damage and injury to non-employees.

You’ll get financial assistance if, for example, you are a wedding planner who is accused by a venue owner of damaging his property.

Professional Liability protects you financially if your clients are forced to pay extra for a different venue because of an accident. You could be forced to pay for legal defense costs, whether it was your fault or not. Professional liability insurance will cover legal costs or the cost to correct the mistake.

How much does an event or entertainment business insurance cost?

The total cost depends on:

  • What types of event planning services you offer
  • The type of venue or office you work in
  • The number of employees you have and the kinds of work they do
  • What types and how many vehicles you drive for work

Other necessary business insurance coverage for entertainers

Entertainment and event businesses should have liability insurance. However, you may also want to include other types of insurance coverage in your insurance package.

We usually recommend:

Workers’ compensation for event planners

In most states, workers’ compensation insurance is mandatory. It can cover some medical costs if your employees are injured on the job and lost some wages.

This coverage is also purchased by many business owners who do not have employees to protect them from workplace injuries. Your personal health insurance may not cover your medical expenses if you break your leg while working. You will also likely not receive any wage reimbursement.

Commercial auto insurance for entertainment businesses

In most states, you must have commercial auto insurance if your vehicle is registered to your business. Most personal auto insurance policies will not cover accidents that occur while driving for business, such as delivering supplies or gear to an event.

In conclusion, event and entertainment businesses face numerous risks and potential liabilities that can significantly impact their operations and finances. The importance of having the right insurance coverage cannot be overstated. Whether it’s protecting against accidents, property damage, or legal claims, event insurance is essential for safeguarding your business.

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