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Planning an event can be demanding. Even if you plan an event perfectly, you can never be sure problems won’t crop up. It’s important to get the right level of event planning insurance to make sure that you’re protected from any financial risks.

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If you still have questions, read on to find out the key things to look at when taking out event planning insurance.

Do I need event planning insurance?

Even with a lot of experience planning events, it’s always possible something will go wrong. Having event planning insurance can help protect against these risks, which is very important for peace of mind.

What does event planner insurance cover? 

The most common type of insurance for event planning is public liability insurance. This kind of insurance is to protect you in case a member of the public gets hurt. It can cover a range of accidents and injuries from equipment malfunctioning, falls or even food poisoning at an event.

Do I need employers’ liability insurance?

Employers’ liability insurance helps protect you if someone working for your event gets hurt. This can include paid employees and volunteers. This is a very important type of insurance as the cost of injuries can be high.

What additional event planning insurance can I buy?

Most insurance companies will offer additional types of insurance that can be included with your policy. This can include legal insurance, equipment insurance, professional indemnity insurance, and personal injury insurance. These may cost extra, but it’s worth examining the events you plan and the level of insurance cover you need.

What is indemnity insurance for event planners?

Indemnity insurance is a kind of insurance that protects in cases where the client for an event is disappointed and wants to sue. This can be a very important type of insurance for an event planner. Things can go wrong through no fault of your own and you may want to consider protection. 

Do I need property insurance?

If you own a property that you use for the events that you plan, you may also need property insurance. Property insurance often helps cover the costs of damage to your building, including theft, break-ins, fire, and flood.

How much is event planning insurance?

The cost of event planning insurance is based on several factors, including risk. Insurers will consider the type and size of events you plan. They will also look at the amount of financial risk, the number of employees, and the types of activities that take place at events you plan.