Event, Party or Wedding Planners

What Does GL Code 44280 Cover?

ISO GL class code 44280 covers businesses engaged in planning, coordinating, and executing events, parties, or weddings. This includes managing vendors, venues, timelines, and budgets for various social and corporate gatherings. The class code addresses the general liability exposures associated with these organizational activities.

Who Uses This Class Code?

Wedding planners, corporate event organizers, party planners, festival coordinators, conference managers, and event production companies all fall under this classification. These businesses provide services ranging from concept development to on-site event supervision.

Common GL Claims for This Class

Common claims include bodily injury from slips and falls at event venues, property damage to rented equipment or venues, and food poisoning incidents if the planner is deemed responsible for catering selection or oversight.

Coverage Tips for Code 44280

• Ensure your policy includes host liquor liability if you arrange for alcohol service, even if you don't directly serve it.
• Verify that all third-party vendors and subcontractors (caterers, decorators, entertainers) provide certificates of insurance naming you as an additional insured.
• Consider professional liability (E&O) coverage, as general liability does not cover claims arising from professional advice or planning errors.
• Be aware of local Florida ordinances regarding event permits, noise restrictions, and crowd control, as non-compliance can lead to liability claims.