Event Planners Insurance Program

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Tailored insurance protection for Event & Meeting Planners

"All the coverage you need in one policy"
 

Lets face it.  It's a tough economy and you need every advantage to succeed.  That's especially true when it comes to choosing your event planning business insurance policy.   It's also important that your company be protected by a policy specifically designed for your business operations. 

Our Event Planner Insurance Program offers one of the most extensive portfolios of professional property and casualty coverage in the industry.

This comprehensive policy gives you the ability to combine broad property, commercial and professional liability, commercial auto, workers compensation and umbrella coverage.
 

Liability policies are designed to help protect you if you are sued by a third party who is injured or whose property is damaged.  A third party is generally someone who is not a family member or employee.  The policy covers defense costs and pays claims for which you are legally liable up to the policy limits.

If you have employees you should carry workman's compensation insurance as they are not covered under the general liability policy.  You should also make sure that any independent contractors or vendors that work with you show proof of their own liability insurance and ask that you be named as an Additional Insured on their policy. 

	Limits up to $5,000,000 / $6,000,000 available (Occurrence Form - claims expenses outside Limits of Liability)
	Premise Rented To You - $100,000 for leased premises
	Additional Insureds:  If a written contract requires you to name an additional insured on your policy, we’ll automatically extend that status to them.
	Personal Injury & Advertising Injury
	Products & Completed Operations
	Liability coverage extends to the United States, It's Territories & Canada
	Full Occurrence Liability Form
	Unlimited extended reporting period available
	Admitted, A Rated Insurance Company

Event Planners Errors & Omissions insurance protects event professionals if a client alleges that they negligently failed to perform their professional duties or work as promised in their contract.  Typically, this would include breach of contract or non-performance claims.

Such mistakes would include omissions like securing a venue for the wrong date, failing to schedule an act or arrange services such as food catering or security.  A claim may not be due the the event planners own negligence but that of a vendor retained by the event planner.  As the general contractor the event planner can still be held financially liable.

"A company planned a corporate dinner for 500 important clients at an elegant venue.  They retained an event planner to plan and manage the affair.  More than an hour into the event, less that 10% of the guests have been served.  Most of the remaining guest then left causing the company great embarrassment and potential financial loss.  The caterer returned his fee, but the refund was inconsequential compared to the damaged reputation of the client."

Business general liability excludes coverage for errors or omissions unless it results in a claim for bodily injury or property damage.

	Errors & Omissions
	Claim Expense sub limit for allegations of Non-Employment Practices Discrimination
	Claim expense sub limit for Administrative or Regulatory Actions
	Broad description of Consulting Activities that includes dissemination of content and can be tailored for each risk
	Personal Injury Torts including Libel/Slander, Infliction of Emotional Distress, Infringement of the Right to Privacy, Trespass, False Arrest, Wrongful Entry/Eviction, Malicious Prosecution and Misappropriation of Name or Likeness
	Infringement of Copyright

PROPERTY & CRIME

Optional Coverage

• Automobile
• Boiler & Machinery
• Directors and Officers
• Additional Insureds
• Third Party Property Damage
• Liquor Legal Liability
• Professional Liability
• Umbrella Policy
• Workman's Compensation

  Ineligible Operations  (Other Programs Available)

• Concert Promoters

• Event Production Companies

• Rental Companies

• Talent Agencies

• Travel Agencies