Your event planning business involves multiple moving parts and risks, so it is important to have these essential coverages:
- General Liability Insurance – covers bodily injury and property damage to third parties during events.
- Professional Liability (E & O) – protects you in case a client claims a planning mistake led to financial loss.
- Commercial Property Insurance – covers your office, supplies, and any permanent assets.
- Workers’ Compensation – required in most states if you hire employees.
- Commercial Auto Insurance – needed if you drive for deliveries or site visits.
- Cyber Liability Insurance – recommended if you store sensitive client data.
