The risks for public speakers can vary widely because of the different exposures involved with your business activities. You’re hired to offer wisdom, motivation and encouragement, and your audience has high expectations. You’re also in the public eye, which can make you a target. We offer protection with custom insurance for public speakers, including General Liability, E&O, Property, and more.
Public speakers will typically travel to speaking venues and should have low premises liability risks as a result. But speakers who have office space face risks associated with slip/trip/fall and other every day accidents. General Liability Insurance can cover your legal bills for lawsuits by people not employed by you such as service technicians, clients, delivery people, and contractors. Such lawsuits can be for damage you caused them or their business, injuries they suffer at your place of business, or damage to their reputation, among other claims.
Public speakers may be at risk of being sued if the training or information you give causes harm in any way to their clients. Clients can also sue if your presentation didn’t live up to their expectations.
Whether claims of professional errors on your part are valid or not, E&O covers the legal costs of defending against such lawsuits, which be quite high.
Since public speakers travel to meet their clients, their risk of an auto accident is quite high. Whether you drive your personal auto to a venue or a rental car to and from the airport, we offer a Business Auto policy that covers damage due to an accident, and protection from vandalism and theft if you so chose.
If you own or rent office space, property damage can result from catastrophic weather, vandalism, combustibles such as paper files, books, or cleaning products, or faulty electrical wiring or plumbing. For example, a burst water pipe can cause serious water damage ceilings, walls, and floors and ruin the contents of an office. Property insurance covers the cost of repairs and replacement.
Crime insurance covers embezzlement of funds or theft of property by employees. This includes employees who steal from your clients.