[eventplanner14]

I am interested in starting my own business from home as an event planner (no employees, just me). However, I am unsure about the insurance aspect of things.I will possibly be organising events for a large company and they have told me that I am required to take out Public&Products Liability insurance and Personal Accident cover before I can start working on any of their events. Will the Personal Accident insurance cover my hospital bills if I injure myself? If not, what insurance does?Could you please advise what type of insurance is required for a home-based event planner.If there are any event planners out there could you please let me know what insurance you have??Thanks!

[hirebookkeeper]

Call an insurance agent. They will know what insurance you need and how much it will cost. The insurance is to cover the people and items at the events you coordinate, not you personally.

[Girmay]

Depending on how often you organize events, limits of coverage and etc. you may be able to get away with simply adding umbrella coverage to your current auto and home insurance, which often costs only about $150 / year for $1M in coverage. Call your current provider and ask about their terms, conditions and coverage. Make sure that you check out all the written terms and conditions very, very carefully and don't take your agent's word for anything.

If it turns out that you will require special business insurance, instead, it will be much more expensive and most personal insurance agents will not be competent and experienced enough to help you. In this case, you should seek advice of a broker that specializes in business coverage. You will find plenty of them online and in yellow pages. I do not see the wisdom of limiting yourself to those who advertise in Russian papers.

[smear]

Event planners help coordinate a variety of events from weddings to corporate parties and presentations. Degree and certificate programs in event planning are offered by some colleges and trade schools, but these are not always necessary to be successful.
Call an insurance agent. They will know what insurance you need and how much it will cost. The insurance is to cover the people and items at the events you coordinate, not you personally.