Question 1

What is a common misconception about General Liability for Event Planners?

Accepted Answer

Event planners think the venue's GL covers events. Venue covers their building; the planner needs their own GL.

Question 2

What happens if event planners don't have General Liability?

Accepted Answer

Guest injured by falling decoration — $20K. Event GL pays.

Question 3

What is a common misconception about Professional Liability (E&O) for Event Planners?

Accepted Answer

Planners think 'we're not the vendor — we just coordinate.' Plaintiffs argue negligent vendor selection.

Question 4

What happens if event planners don't have Professional Liability (E&O)?

Accepted Answer

Wedding florist no-shows; planner sued for negligent vendor selection — $14K liquidated damages + emotional damages. Professional liability pays.

Question 5

What is a common misconception about Commercial Auto for Event Planners?

Accepted Answer

Constant vendor and staff driving creates exposure.

Question 6

What happens if event planners don't have Commercial Auto?

Accepted Answer

Staff member's car causes accident on the way to event — agency named in suit. Hired/non-owned auto pays.

Question 7

What is a common misconception about Inland Marine (Tools & Equipment) for Event Planners?

Accepted Answer

Equipment at venues isn't covered by commercial property.

Question 8

What happens if event planners don't have Inland Marine (Tools & Equipment)?

Accepted Answer

Theft of $8K of AV equipment from venue. Inland marine pays.

Question 9

What is a common misconception about Workers' Compensation for Event Planners?

Accepted Answer

Event staff classification is heavily contested.

Question 10

What happens if event planners don't have Workers' Compensation?

Accepted Answer

Coordinator falls at event setup — $14K. WC pays.

Event Planners Insurance Coverage Guide | RISKX