As a home party planner, must I carry liability insurance for the party and entertainers?

I am putting together a children's full service birthday party service. I plan to hire entertainers like clowns and magicians to go to the party location. In this case, who carries the liability? Is it up to the independent entertainer to carry their own insurance, or am I liable as the party service company?

Answer:
It's probably a good thing to have just incase things happen that you could get sued for. You can required any independent entertainers that contract with you also have their own liability insurance. If you are the one that made the original contract, you need to be able to cover all of the events involved.
You really need an insurance agent for this one.
If you hire the clowns from a company they are probably insured. It is a good idea that you get some sort of personal umbrella policy which covers liability for you.
Ideally both parties should carry their own liability insurance. Either of you can be sued.

Ideally the entertainers not only carry their own liability insurance, but will agree to list you as a named insured on their policy, and will agree to hold you harmless for any liability caused by them.

Your insurance agent can explain this further.
You are the general contractor, so if your subcontractors (entertainers) do NOT carry liability, you're on the hook for it.

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