Professional liability
Claims arising from planning, coordination and vendor selection.
Business Insurance
Event planner insurance for the organiser.
Planners are judged on things they arranged but did not perform. That is a professional liability exposure, not a premises one.
Event planners coordinate vendors, venues and timelines, and the claims that follow are usually about the coordination rather than the event itself — a missed booking, a supplier who failed to appear, a contract detail overlooked. That is professional liability territory.
Vendor failure and contract exposure
When a caterer or florist fails, the client comes to you. Professional liability responds to claims that your planning caused their loss, and it is the cover that separates a planner from a general liability policy bought to satisfy a venue.
Vendor contracts should require each supplier to carry their own liability and to name you. Collecting those certificates is the most effective single protection available in this trade.
What it covers
The parts of a event planner insurance policy
General liability
Injury and property damage at events you run, as venues require.
Venue certificates
Additional insured wording for every venue you work in.
Equipment and hired-in
Your own kit and items you are responsible for on site.
Working with us
What we do differently
We are an independent agency, so we place your event planner insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Carry professional liability, not just the general liability venues ask for
- Require certificates from every vendor and keep them on file
- Check whether cover follows you to events outside Texas
Common questions
Event Planner Insurance, answered
Why do I need professional liability as a planner?
Because claims are usually about coordination rather than injury — a missed booking, a supplier failure, a contract detail. General liability does not respond to financial loss caused by your service.
Am I responsible if a vendor fails?
Clients frequently direct the claim at you as the coordinator. Requiring vendors to carry their own cover and name you is the practical protection.
Do venues require their own certificate?
Nearly always, usually naming them as additional insured at $1 million. Requirements differ by venue, so check each contract.
Related cover
Often arranged alongside this
Wedding Planner Insurance
A wedding cannot be rescheduled quietly. That makes the stakes on a planning error higher than in almost any other event work.
Read moreSpecial Events Insurance
Most venues will not hand over the keys without a certificate. Event liability is usually bought because somebody asked for it.
Read moreProfessional Liability Insurance
General liability covers injury and damage. It does not cover being wrong. If clients rely on your work, that is the gap this fills.
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