Event Planner Insurance
Why do I need event planner insurance?
The event planning business is not a job for the faint of heart—long before the run of show, you’re running 100mph. Any event planning expert understands that the success of their career depends on their ability to prepare for every variable imaginable, problem solve at a moment’s notice, and put the infrastructure in place to iron out issues that arise. It’s in your title; you’re a planner.
Choosing an Event Planner insurance policy takes your preparation one step further. The same principles are at play; should anything bad happen on a job, you need to ensure that you and your business are protected.
Your waiter spills water and a guest in heels slips and injures herself. One of your runners knocks over the venue’s precious sculpture. The list goes on. A Thimble Event Planner Insurance policy mitigates the risk that these incidents result in financial losses for you.
The reality is that we don’t have to tell you why Event Planner Insurance is important. You’re here because you already know—planning for disasters and problem-solving is what you do best. With general liability insurance and professional liability insurance, your business is more party, less surprise.
What does Event Planner Insurance cover?
Thimble’s Event Planners Insurance includes coverage from scenarios like the following:
Third-party, non-employee bodily injury: Your staff is running like crazy to ensure all the guests are catered to. Unexpectedly, the weather takes a turn and a heavy downfall commences. The rain tracked inside causes one of your guests to take a nasty spill as they hurry to the dining hall. They now want to be compensated for the medical expenses from their visit to Urgent Care the following day due to the bodily injury they sustained.
Third-party property damage: While at a venue, you’ve been tasked with hiring fire dancers to entertain an ostentatious birthday. In a turn of events, one of the performers starts a small fire that burns part of the home. No one was hurt, but your client wants to be reimbursed for the damages. Ouch.
Defense costs: You’ve been planning this wedding for months, and every piece of it is perfect. A day prior to the set date, the venue floods and you’re forced to change locations. It ruins the entire event and your client decides to sue you for the debacle, claiming you deviated from the agreed-upon plans and now your services are unsatisfactory. Now you need to employ your attorney.
Errors & omissions: Your assistant was responsible for ensuring that the event was properly staffed. On the day of the event, you realize that this person has the wrong event date on the callsheet. Only half the staff is able to show up on the fly, and your client sues for negligence.
How much does Event Planner Insurance cost?
The cost of your event planner insurance is based upon a few factors. These include but are not limited to the size of your business, size of your crew (for a specific event), the risk associated with your industry, the location in which you conduct business, and the insurance coverage limits you want to select. Here at Thimble, Event Planner Insurance is incredibly affordable because we’ve done away with one-size-fits-all policies. Thimble is insurance by the hour, the day, or month, meaning you only have to pay for insurance when work is being performed.
Also, you can add Additional Insureds onto the policy free of charge and generate as many Certificates of Insurance as you’d like. We provide flexible on-demand or monthly insurance that you can obtain in a matter of minutes. Get your free Event Planner Insurance quote now.
How quickly can I get a Certificate of Insurance?
You can receive your COI, also known as an ACORD certificate, in less than 60 seconds. After you’ve input the relevant information, you can have it directly in your inbox, even before your event coverage terms become effective.
Do you have a wedding coming up? Has someone hired you and expedited the event date? No worries—Thimble is nimble. You’ll be able to show your client proof of insurance on the day of.
By downloading the Thimble mobile app, you’ve got real-time control over your policy, with the ability to add Additional Insureds or get extra copies of your COI free of cost. With the app, you can also cancel your policy for free, extend your coverage, or book your next policy up to six months before the event date.
The company I work for already carries business insurance. Do I need my own Event Planner Policy?
As an Event Planner, it is always wise to have your own policy. Especially if you work as an independent contractor, you will need your own type of coverage which is special events insurance for all the clients you service. Even if you are working beneath a company, their specific coverage might not have all the defenses in place to support you should things go awry.
For instance, if you make a mistake and you’re sued as an individual, the policy your company has in place may not protect you from negligence. Additionally, even if you are part of the company but working as a subcontractor, you need to have your own Event Planner Insurance to protect yourself.
At the end of the day, by getting custom General Liability and Professional Liability Insurance policies with Thimble, you protect yourself and your business from damage to any property or bodily injury of a third party that could occur at one of your events.
Still have questions?
Quick-thinking insurance for fast-moving businesses.
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Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
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