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Do event waivers actually protect me?

EventsContractsInsurance

Often, but less than people think. In most states a clear, specific waiver signed before the event can stop a participant from suing you for ordinary negligence, such as a slip on a wet floor. Almost no state will enforce a waiver of gross negligence or intentional harm. A few states, among them Virginia, Louisiana and Montana, refuse to enforce pre-injury waivers of negligence altogether. And many states will not let a parent waive a child's right to sue.

What makes a waiver hold up

What it will not do

A waiver does not make an unsafe event safe, and it does not replace insurance. Courts look hard at waivers for activities the organizer controls, and a waiver signed by an adult does not bind their child. Treat it as one layer: safe planning, staff training, a waiver, and general liability insurance that covers the event.

Venues and vendors

Venues usually require you to carry insurance and to name them as an additional insured, and your vendor contracts should require the same of the people you hire. If a caterer's equipment injures a guest, you want their insurance to answer first.

What to do

Written by the lawyers who built Arabella. This is legal information, not legal advice for your situation, and reading it does not make us your lawyers. For a real dispute or a high-stakes decision, talk to a licensed attorney. More questions.

Do event waivers actually protect me?