/ BLOG

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.

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Friendly and very fast service!
Patricia S.
1713020220
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
Ebony D.
1712939806
They make it very easy to buy insurance and renew.
Bill N.
1712763118
As a business owner I love not wasting time. Thank you so much for giving me more time
mario S.
1712678018
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Jean H.
1712557699
Always easy. Thank you.
Dave C.
1711734978
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Sam M.
1711718774
Very easy and affordable!
Volanda H.
1711024298
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Larry (.
1710956598
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Zynab B.
1710433556
Your service is easy to renew as needed and your company informs the client in advance for renewal.
Henry B.
1710352389
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Shonta I.
1710297732
Quick and easy....
Tammy K.
1710172643
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Alamo H.
1709935830
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
George J.
1709840615
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Shanda J.
1709586997
Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
js_loader
Google Rating
4.7
Based on 262 reviews
×
js_loader