Party & Event Rental Insurance Coverage Checklist
The coverages a party & event rental 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 and event rental companies. Priorities reflect typical exposure; confirm against equipment offered and whether the company sets it up.
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 |
|---|---|---|---|
| Commercial General Liability (incl. Completed Ops) | Covers injuries from equipment the company installed — confirm inflatables aren't excluded. | Core | |
| Inland Marine / Rental Equipment | Covers tents, inflatables, and equipment in transit and at customer sites. | Core | |
| Commercial Auto | Covers delivery trucks and trailers. | Core | |
| Umbrella / Excess Liability | Adds limits for a catastrophic tent or inflatable failure. | Prevalent | |
| Workers' Compensation | Required in most states; setup crews face lifting and fall injuries. | Core | |
| Abuse & Molestation | Needed if staff attend children's events. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for inflatables and the company's own setup work. Some GL policies exclude inflatables or amusement devices entirely, and wind is the severe risk: a 2022 study counted 479 injuries and 28 deaths worldwide from bounce houses lifted by wind. ASTM F2374 requires engineered anchoring and deflating above set wind speeds. Companies should confirm inflatables are covered, anchor to the manufacturer's spec, and cancel when high winds are forecast.
Send us the checklist and we'll review your party & event rental coverage line by line, then market it across multiple carriers that compete for your account.
Related: Party & Event Rental Insurance · Party & Event Rental Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a party & event rental business need?
The core coverages for a party & event rental business are Commercial General Liability (incl. Completed Ops), Inland Marine / Rental Equipment, Commercial Auto, Workers' Compensation. 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 party & event rental 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.