Here’s the situation.
The night went well. The venue’s expensive floor did not. General liability can address certain third-party injury and property-damage claims. The actual work, premises, and policy wording matter more than the job title on your bio.
Three questions before you assume anything.
- Does the insurer understand and accept the actual activities you perform?
- Do venues or clients need additional-insured status?
- Which activity, assault, professional-service, or other exclusions apply?
TAKE NOTE
General liability is not blanket protection for every incident. It does not replace commercial auto, professional liability, or injury coverage for the worker.
The policy outranks the punchline.
These are general educational descriptions. A policy’s definitions, conditions, limits, endorsements, and exclusions determine its scope. Discuss your needs and the actual wording with a licensed insurance professional.
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