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While you plan unforgettable events for clients, we help your business stay protected.
For event planners, coordinating all the moving parts and details of an event takes hard work and strategic foresight. But you can’t always anticipate or prevent unforeseen accidents or injuries from happening. Fortunately, event planners can protect their businesses in the event of a potentially devastating accident or injury with workers’ comp insurance.
Workers’ Compensation Insurance for Event Planners
As an event planner, you’re used to taking every possible precaution to ensure a flawless occasion. But whether you’re working from home, in the office with your team, rushing to a venue, or setting up an event on-site, there are some things that are beyond your control.
Should an on-the-job injury occur, event planners can be held liable for the costs of the injured employee’s medical bills — both the initial expenses immediately after an accident and the expenses for any ongoing treatment. Fortunately, event planner insurance helps shoulder the cost of high medical bills and related expenses that could otherwise cause business disruption and financial strain.
Event Planner Injuries
From driving between venues to climbing a ladder to hang decor, event planners are susceptible to a variety of job-related injuries during the course of a workday. Should one of your employees suffer a fall or get rear-ended on the way to a wedding, your business could be held responsible for the costs of that employee’s medical care, lost wages, and more.
Laws vary from state to state on the requirements of having professional insurance. However, a serious workplace injury carries the potential of financial ruin for your business. That’s why business insurance is an invaluable investment — it gives you the peace of mind that in the event of an unforeseen emergency, your business and your team will be protected and supported.
Workers’ comp insurance can ease costs associated with:
- Ambulance and emergency room care
- Ongoing medical costs (medication, physical therapy, etc.)
- Lost wages for recovery time
- Funeral expenses in the case of death
Event Planner Liabilities
Every event planner knows that it’s imperative to anticipate what can go wrong and take preventative steps to prevent unforeseen mishaps or schedule changes. It’s just as important to take proactive measures to prevent unnecessary risks and injuries on the job.
If an injured employee files suit against your business due to an on-the-job injury, the associated costs could be financially devastating to your business. Commercial insurance gives full protection for your business. This means you’re covered not only in the event of an injury but also in the event of an employee lawsuit.
Most workers’ comp policies feature employer’s liability coverage, which protects your business by helping to cover the costs of:
- Court costs
- Attorney fees
- Settlement payments
- Other related legal fees
Even if your event planning business already has workers’ comp coverage, many policies do not include liability coverage. To avoid putting your business at a potentially damaging risk, it’s important to confirm that your coverage includes liability in the event of litigation.
Risk Management for Event Planners
As any event planner knows, detailed preparation is key to ensure that events go off without a hitch. Of course, you can’t always prevent injuries or accidents from happening in the first place, but you can implement preventative measures to keep employees safer — and therefore reduce your risks.
Focusing on preventing injury and risks before they occur is the best way to protect your employees as well as the bottom line for your business. In fact, most insurance providers utilize risk assessment tools to help determine the cost of coverage. This means you can save on premiums simply by implementing safety training exercises and workplace policies.
Cost of Workers’ Comp Insurance
Cost is an important consideration for businesses when selecting an insurance plan. Your premium is determined based on a number of factors, including your location, jurisdiction, and type of business, as well as details specific to your business, such as your employee payroll records and your history of workplace accidents.
At Cerity, we believe in an easier and faster approach to workers’ comp insurance. Our proprietary tools and innovative technology provide quick quotes and policies that can take effect immediately. Visit our workers’ comp quote tool to get a free online quote and begin protecting your event planning business today.
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