Planning and coordination
Claims that an error in booking, scheduling or supplier management caused the client loss.
Event Planner Professional Indemnity
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Event Planner Professional Indemnity
Professional indemnity for event, wedding and conference planners.
Event work fails on timing and detail. A supplier that does not turn up, a permit never lodged, a double-booked venue, a contract signed on the client's behalf with the wrong terms. The client's loss is the cost of the event and the deposits already gone, and that is a professional indemnity claim rather than a damage claim.
What is it?
Event planners manage weddings, conferences, corporate functions, festivals and product launches - venue sourcing, supplier contracts, budgets, run sheets, permits and on-the-day coordination. There is no registration requirement, but venues, councils and corporate clients commonly ask for evidence of both professional indemnity and public liability, and liquor and road closure approvals usually sit with the organiser.
What does event planner professional indemnity cover?
Permits and approvals
Exposure where a council, liquor or road closure approval was missed or lapsed.
Contracting as agent
Liability taken on when you sign supplier agreements on a client's behalf.
What affects the cost?
- Event types and attendee numbers
- Budget size per event
- Whether you contract suppliers directly
- Alcohol, ticketing and outdoor events
- Claims history
Worth raising on the call
- Public liability, professional indemnity and event cancellation respond to three different failures.
- Signing supplier contracts in your own name puts the exposure on your business.
- Weather and non-appearance losses generally need a specific cancellation policy.
Claims we are commonly asked about
Venue holding the wrong date
A wedding is confirmed for a date the venue has recorded differently, and the error surfaces weeks out with invitations already sent. The claim typically covers relocating the event, reprinting stationery and deposits that cannot be recovered from suppliers.
Supplier folds with the deposits
A caterer or marquee supplier contracted on the client's behalf goes into administration holding the deposits, and no replacement can be secured at short notice. Where the planner selected, contracted and paid the supplier, the client generally looks to the planner for the shortfall.
Road closure permit never lodged
A street activation is shut down by council on the morning because the closure and noise approvals were not obtained in time. The loss is the whole production spend plus the client's committed marketing, and it is generally argued as a coordination and process failure.
Worth confirming in the wording
- Worth confirming whether supplier deposits and money handled on a client's behalf are contemplated, since financial loss of that type is commonly treated separately to advice claims.
- Worth confirming whether losses from weather, illness or non-appearance need a separate event cancellation policy rather than sitting under the liability wording.
- Worth confirming whether higher risk inclusions such as fireworks, amusement rides, marquees and alcohol service are contemplated or need to be declared event by event.
Common questions
Does professional indemnity cover an event being cancelled?
Generally not by itself. Professional indemnity responds to a claim that your planning, coordination or advice caused the client loss, whereas cancellation from weather, venue failure, illness or a headline act not appearing is usually the province of a specific event cancellation policy. Many planners arrange both, and cancellation cover is often taken per event.
Do venues actually require it?
Most commercial venues, councils and corporate clients ask for certificates of currency for both public liability and professional indemnity before confirming a booking, and some require to be noted as an interested party. The limit is usually set in the hire agreement rather than by law. It is worth reading the hire terms early, because the limit can be higher than a small planner expects.
What if a guest is injured at an event I ran?
Injury to guests is generally a public liability question rather than a professional indemnity one, and responsibility can sit with the venue, a supplier or the organiser depending on the contracts and what caused it. Planners commonly hold public liability alongside professional indemnity for exactly this reason. Who carries it in a given case depends on the agreements in place and the policy terms.
What does event planner insurance cost?
It depends on the work rather than a standard rate. Insurers rate on event types and attendee numbers, typical budget per event, whether you contract suppliers directly or in the client's name, exposure to alcohol, ticketing and outdoor events, and claims history. Contracting suppliers in your own name generally increases both the exposure and the premium.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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