Your vendors can make or break your event. But here's what most planners miss: If a vendor causes damage, you can still get sued. Even if it's 'their fault.'
That's why vendor insurance isn't optional — it's essential.
Why Vendor Insurance Matters
Examples: caterer starts a grease fire, DJ trips someone with cables, rental company damages the venue, food vendor causes illness. If they're uninsured → YOU pay.
What Insurance Should Vendors Carry?
Common requirement categories: General liability, workers compensation when applicable, auto liability for relevant vehicle exposure, and liquor liability when alcohol operations require it. Limits and forms depend on the contract, law, underwriting, and policy terms.
Always Request a COI
Ask for: valid dates, correct business name, coverage limits, and additional insured listing your event.
Pro Tips
Collect 2–3 weeks early. Store digitally. Never accept 'we're covered, trust us.'
Vendor Checklist
COI received. Limits verified. Additional insured added. Expiration checked.
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