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April 25, 2023
Dorsal Insurance

Entertainment Insurance

Why do event planners need business insurance?

Events don’t always go as planned and the many moving parts needed to pull off a successful party increase the possibility of something going wrong. Large groups of people increase the risk of a guest tripping over the cord needed for your turntable or for someone to complain that the catering caused them food poisoning.

Having the right types of insurance for your entertainment business means that you don’t have to pay entirely out of pocket after an accident or to defend your business.

Liability insurance for entertainment businesses

Entertainment liability insurance can help cover costs if a guest trips over the gift table and breaks a wrist of if you’re accused of damaging speakers at a club.

We combine two types of liability insurance in our business insurance packages:

General liability is the insurance that most business owners buy first to cover some of the most common accidents when you work with clients — property damage and injuries to non-employees.

For example, you’ll have financial help if you’re a wedding planner and a venue owner accuses you of damaging their property.

Professional liability

provides financial protection if you accidentally double-book a venue and your clients have to pay for a new location. No matter if it was your fault or not, you could have to pay to defend your business if they take legal action. Professional liability coverage will cover legal expenses or to amend the mistake.

Other important business insurance coverage for entertainers

Liability insurance is a must-have for entertainment and events businesses buy may want to add other types of coverage to your business insurance package.

Workers’ Compensation for event planners

Workers’ compensation is required in most states. If you have employees, it covers some medical bills if they get hurt or sick on the job and it can pay for some lost wages.

Many business owners without employees also buy this coverage so they are protected from workplace accidents. If you break your leg at an event while working, your medical bills might not be covered by your personal health insurance and you won’t have any wage reimbursement.

Commercial Auto insurance for entertainment businesses

Commercial auto insurance is legally required in most states if you own a car or truck that’s titled to your business. Many personal auto policies won’t cover an accident if it happens while you are driving for work, including delivering gear or supplies to an event location.

Call Dorsal Insurance today for a quote at 786.601.2485

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