Event Insurance

Event insurance covers events, and business insurance covers your business, so if you’re in the business of events, you might need both. As an event planner, you should consider general liability and professional liability insurance to cover the day-to-day operations of your business, such as client consultations and venue walkthroughs. Then on the big day, an event you’ve been planning will also need its own event policy in order to cover risks during the run of show. Some event planners handle purchasing event insurance on behalf of their clients, but all event planners should consider the business insurance essential to protect their assets. Read more about the difference on our Event Planner Insurance page.

It depends. Essentially, event liability insurance protects the person or business organizing an event. If you’re a wedding planner, PR consultant, or production agency hosting an event on behalf of a client, you’ll likely need event insurance. The same applies for people putting on events themselves without a planner, as is often the case with weddings and family reunions.
If you’re just booked to play a set, serve hors d’oeuvres, or take photos at an event that is not your own, you could still be named in a lawsuit related to the event at which you’re working. Or, the event planner could require that you carry insurance and add the planner as an Additional Insured (more on that in a bit).

In the insurance industry, various insurers use various terms to describe the same coverages. While Thimble does not currently offer event cancellation coverage, the terms “event insurance” and “special event insurance” are interchangeable and refer to the types of insurance offered for events. To understand the difference between two policies, it’s important to focus less on the name and more on the fine print to learn what is covered.

An ACORD 25 Certificate of Insurance (COI) is the standard document that proves you’re insured, with all of the details like the types of liability coverage (general liability, professional liability, etc.) your policy limit, and the duration of your policy. This is typically the document you need to show your clients that you’re ready to get to work. With Thimble, you’ve got instant access to your COI after purchase and the ability to make and send unlimited copies to the people who need it.

An Additional Insured is anyone who wants to be protected in connection to your CGL policy for claims arising from your actions. In many cases, this is the company or organization hiring you, because they want to ensure that if anything goes wrong while you’re working on their behalf, they will be defended and covered under your insurance.

All claims are handled by Sedgwick. If you need to file an event liability claim, visit https://www.sedgwick.com/your-claim/assign-a-claim. Read more here.