When you are hosting an event, you'll want adequate protection for all that could go wrong. If you have a gathering, there are many things that you'll have to take into account. Tennessee business insurance can provide event liability coverage.

Fortunately, a Tennessee independent insurance agent will have access to multiple markets. This gives you the best policy for your money. Connect with a local expert to gain custom quotes in minutes. 

What Is Event Liability Insurance? 

Tennessee event liability insurance will help pay for a loss resulting from bodily injury or property damage. When you have an event of any significance, you'll want this coverage. Take a look at some things you'll need to disclose to get a quote:

• Are you hiring employees or contractors?
• How many people will be attending the event?
• Will this event be ongoing throughout the year?
• What type of event is this?
• Will there be alcohol served?
• Will there be minors present?

Online revenue forecast for music events in the US (in million US dollars)

While your event may not be as large as music events, you'll still need proper protection. Your event will need coverage for every exposure. 

How to Get General Liability Insurance for an Event in Tennessee

An event liability policy will include a form of general liability for your gathering. The difference will be the length of time you have an event liability policy vs. a general liability policy. Take a look at an explanation:

• General liability insurance: Will pay for a lawsuit arising out of bodily injury, property damage, or slander. A typical policy term is one year. 
• Event liability insurance: Will pay for a lawsuit arising out of bodily injury, property damage, or slander. A typical policy term is different for every event and usually only lasts the dates of the event.

One-Day Event Liability Insurance in Tennessee

In Tennessee, $6,317,565,000 in commercial claims were paid in 2019 alone. Those losses were due to liability, property damage, or bodily injury. If you have event liability insurance, you can protect your finances from potential ruin. 

Events the public are most likely to travel for in the US as of January 2021

If you are putting on an event for one particular day, one-day event liability insurance can help. This policy will cover your event from start to finish and then expire. 

Liquor Liability Insurance for an Event in Tennessee

If you are serving alcohol at your event, you'll need separate coverage. Liquor liability insurance can help cover a loss due to an attendee drinking too much on your watch. If bodily injury or property damage occurs as a result of someone drinking alcohol at your gathering, then you'll be on the hook. 

Private Event Liability Insurance in Tennessee

In Tennessee, private events need proper protection. The majority of carriers will have a policy offering for private and public events. Weddings are an example of a private event. This policy will provide insurance for a claim arising from bodily injury, property damage, or slander. Private event insurance will have an option for reimbursement of funds if a cancellation occurs. 

How to Find an Independent Insurance Agent in Tennessee

Any occasion you are planning in Tennessee should have adequate coverage against all risks that could occur. The right policy will have several limits to choose from that can be specified for your gathering. Event liability insurance will help your day go off without a hitch. 

A Tennessee independent insurance agent has access to multiple carriers so that you can find the best coverage for an affordable price. They'll do the shopping for you at no additional cost as well. Connect with a local expert on TrustedChoice and get started in minutes.