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.
We typically recommend:
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.
Learn more about workers’ comp.
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.
Learn more about commercial auto.
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