Event & Party Promoter Insurance Coverage Checklist
The coverages an event & party promoter business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for party, nightlife, concert, and festival promoters working at venues they do not own. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (Promoter / Event) | Covers attendee injuries at events you promote, even at venues you don't own. | Core | |
| Assault & Battery — Full Limits | Fights and shootings drive the most severe promoter claims, and many policies exclude or sublimit them. | Core | |
| Liquor Liability | Covers alcohol-related claims; venues expect it, and it's essential if you sell under your own permit. | Core | |
| Umbrella / Excess Liability | Crowd crush and shooting verdicts have reached tens of millions of dollars. | Core | |
| Event Cancellation / Non-Appearance | Pays lost costs when weather, venue loss, or a headliner no-show cancels an event; poor ticket sales are not covered. | Prevalent | |
| Workers' Compensation | Covers employees working doors, setup, and the floor. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff and street teams driving for the business. | Prevalent | |
| Media / Advertising Liability | Covers claims over flyers, music, and artist images used in promotion. | Situational | |
| Equipment / Inland Marine | Covers sound, lighting, and décor you own or rent. | Situational | |
| Attendee Accident Medical | Pays small medical bills regardless of fault and can head off lawsuits. | Situational | |
| Employment Practices Liability | Covers claims from staff, hosts, and promoters you hire. | Situational |
The coverage gap most often missed
The gap most often missed by promoters is assault and battery coverage that disappears when outside security is involved. Many nightlife policies exclude or sublimit assault and battery, and in Clear Blue v. TFS NY a federal court held that a "contracted security" exclusion meant the insurer owed no defense because the club's outside security company was involved. Promoters almost always hire outside security. Confirm assault and battery is at full limits, check for a contracted-security exclusion, and require your security company to name you as an additional insured.
Send us the checklist and we'll review your event & party promoter coverage line by line, then market it across multiple carriers that compete for your account.
Related: Event & Party Promoter Insurance · Event & Party Promoter Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an event & party promoter business need?
The core coverages for an event & party promoter business are General Liability (Promoter / Event), Assault & Battery — Full Limits, Liquor Liability, Umbrella / Excess Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my event & party promoter coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.