Simply Business is pleased to provide tailored insurance options from:
As an Event Planner, you’re an expert at anticipating issues and problem-solving on the fly. Whether you’re orchestrating a workshop for 10 executives or a conference for 10,000, you know how to stay calm under pressure. But no matter how much you prepare, you can’t always control the inevitable accidents, mishaps, and unforeseeable circumstances.
At Simply Business, we can help you plan for the unexpected. All it takes is a phone call or a single online visit. We’ll go to work finding quotes from the nation’s top insurers. We can usually get you covered with a fresh blanket of protection in about 10 minutes.
Ready to make the call?
Event planners often find themselves managing chaos from the eye of the storm. And each event brings a different set of challenges and risks. At Simply Business, we have multiple coverages available to help you customize your event planner insurance to fit your specific needs.
Here are three types of policies we typically recommend:
General liability insurance covers costs resulting from third-party accidents, property damage, and bodily injuries, including clients and vendors.
As an event planner, it's your job to make sure the day goes smoothly. But unforeseen accidents happen to the best of us. And without this type of coverage, your business may be responsible for those costs.
Just imagine, you’re coordinating a major fundraising event. While entering the reception hall, the president of the nonprofit trips over your laptop cord and sprains her ankle. After the event, she sues you for the cost of the medical bills, claiming that your carelessness led to the incident. Not very charitable, but lawsuits do happen!
Without a general liability policy, you may need to pay the claim out-of-pocket and may even have to hire a lawyer to defend your business.
But fear not — we have your back! General liability insurance could help pay the cost of the claim, medical costs, and legal fees, up to your policy's limit.
Here’s what general liability (GL) insurance usually covers:
Third-party bodily injury
Third-party property damage
Personal and advertising injury
Claims arising from product defects
GL insurance usually doesn’t cover:
Damage to your own property
Workers’ compensation or injury to your employees
Damage to your work
Automobiles while in business use
Expected or intentional injury or damage
As an event planner, you often collaborate with multiple partners to deliver memorable experiences. But if you have employees — whether they’re part-time or full-time — there’s a good chance you’ll also need workers’ comp (WC) coverage. Workers’ compensation insurance helps protect your business financially if an employee gets injured or sick while working for you.
States can have different laws and regulations. You can learn more about the requirements in your state here.
Workers’ comp can cover:
It does not cover:
As an event planner, you’re constantly on the go. Inland marine insurance helps to financially protect the equipment you use while in transit or at an event site. Inland marine coverage can protect your business from occurrences such as:
· Damage to business property
· Vandalism to business property
· Theft of business property
An inland marine policy typically covers property that is:
· In transit
· On movable vehicles
· Stored offsite
Accidents can happen no matter how carefully you plan. And when things do go sideways, clients sometimes file a lawsuit. Roughy between 36% - 53% of small businesses could face a lawsuit in a given year. And lawsuits can be devastating — the average liability lawsuit costs at least $54,000. It doesn’t matter who’s at fault.
You know how to plan the best day. We know how to plan for the worst. With event planner insurance, you’ll have peace of mind, knowing that you and your business are covered if the unexpected happens.
We’re a fast-growing online insurance provider for small business owners, meaning thousands of customers trust us to protect their growing businesses.
At Simply Business, we also make it easy to get insured. We work with the nation’s most trusted insurance companies to help you find and compare free quotes for event planner policies.
So why choose Simply Business? It’s simple:
We’re fast and affordable. Our policies are fast, affordable, and ready when you are. Say goodbye to stressing about having coverage.
We’re flexible with coverage. If you need to make changes to your insurance coverage, we’re here to help.
We get your business. Your business is unique, so shouldn’t your insurance policy be? We understand small businesses, and we’ll help make sure you find the coverage you need for your business’s needs.
We’re trustworthy and reassuring. No one wants to experience an accident, injury, or lawsuit. But if one of those events happens to you, we have your back. You can trust your insurance policy to help cover costs and help you get back doing the work you love.
We make it easy to compare free quotes. Insurance doesn’t need to be complicated. Our online quote form lets you choose from policies that meet your needs.
*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on April-June 2022 data of 10% of our total policies sold.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.