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Tailored event planner insurance for your business. Maximum coverage, minimum cost.
As an event planner, your clients trust you to deliver great events to achieve their business or personal goals. However, if your events suddenly get cancelled, or your events cause injury/property damage to others, you can face serious litigation issues.
What insurance do event planners need?
Event cancellation insurance: Pays for unforeseen cancellation of events. Also covers your legal liability if clients sue you for their losses suffered due to events being called off.
Property, contents, and equipment insurance: Coverage for risks like fire, water leaks, burglary, etc. Essentially protects your office, contents (e.g. folders), and equipment (e.g. computers).
For instance, you are doing an outdoor wedding shoot. You trip and fall, smashing your $3,000 camera lens. This insurance will pay for a replacement lens.
Work injury insurance: Coverage for employee injuries/sickness, including Covid-19 infections.
Because wedding photographers will have close contact with lots of people, it’s crucial to get Work Injury Insurance to protect against Covid-19 infections. It’s also easy to get injured while doing outdoor shoots.
Public liability insurance: Coverage if you cause injuries or property damage to third-parties while doing your shoots.
For instance, you’re doing a wedding shoot at a hotel. You accidentally bump into someone while taking pictures (which photographer hasn’t?), but the person lost balance and fell, suffering a fracture on his back. The injured person sues you to pay his medical expenses, and for personal injury damages. This insurance will pay for your legal fees, and for damages awarded by the court.
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What are the major risks event planners face?
Unforeseen cancellation of events. You are liable for your clients’ losses suffered due to events being called off.
Damage to AV (audio-visual) equipment – e.g. sound systems, cameras, microphones, lighting equipment, etc.
Accidentally causing injury or damage to third-party property while carrying out events. E.g. damaging sites where you host events.
Employees being injured or infected with Covid-19 due to work. You’ll need Work Injury Compensation Insurance to cover this.
Damage to your own office property and contents, e.g. due to fire
What are the benefits of using Provide for event planner insurance?
Provide gets you tailored online quotes for event planner insurance, at the lowest premiums.
Save up to 25% on your premiums
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