Events bring together many different types of independent businesses, from entertainers, to photographers, stage hands, event planners, caterers and more. Each have different risks and requirements, which are difficult to keep track of.
Large venues require proof that every vendor / supplier is properly insured
Entertainment venues have a lean staff, tasked with managing insurance for hundreds (if not thousands) of independent businesses
Manually tracking & verifying certificates of insurance is time consuming and accident prone
Traditional insurance policies are cost prohibitive to independent professionals like photographers and entertainers
Even if your contracts require vendors like entertainers, caterers or photographers to have insurance, claims will still land in your lap if you don't verify their coverage. If a guest is injured, or property is damaged at an event, the claim will flow upstream to the first available policy - which will likely be yours.