Certified Meeting Professional (CMP) Practice Exam

What is the role of an employers liability insurance policy at an event?

1. Cover personal liability for event sponsors

2. Provide coverage for venue damages

3. Cover work-related injuries for employees

4. Insure against theft at the event

The correct answer is: Cover work-related injuries for employees

The role of an employer's liability insurance policy at an event is to cover work-related injuries employees may sustain while performing their duties. This type of insurance helps protect employers from the financial repercussions of potential claims from employees who may get injured during the course of their work at the event. It ensures that employees are financially supported for medical expenses, lost wages, and any other related costs due to work-related injuries, thereby promoting a safe working environment and providing peace of mind for both employers and employees. Other options relate to different kinds of insurance or liabilities that do not fall under employer's liability coverage. For instance, personal liability for event sponsors pertains to general liability, which is separate from employee injury coverage. Coverage for venue damages focuses on property damage and does not address work-related injuries. Insurance against theft is a completely different risk and is typically covered under a property or theft insurance policy, rather than an employer's liability policy.