Whether selling balloon decorations online, at events such as farmers’ markets and craft fairs, or if you’re hired to delight children and adults alike with inflated balloon characters, arches, and more, you should invest in protecting your business.

It might seem like a low-risk business, but without the right insurance, you can be financially responsible for any damages or injuries to people or property because of your creations, whether inflated by air or helium. This could lead to significant financial loss.

A comprehensive balloon business insurance policy safeguards your finances following an accident or unexpected incident that could deflate your business and possibly lead to bankruptcy.

It also provides you with financial support to seek legal advice if a customer or passerby is harmed in some way by your services and threatens legal action.

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A Zensurance survey found a whopping majority of Canadian consumers wouldn’t hesitate to sue a small business owner or independent professional if they suffered physical or financial damage because of your services. For instance, if a child were to trip over a balloon string and get injured, or if a balloon sculpture were to accidentally damage a client’s property, you could be held financially responsible without insurance.

What Liability Risks Does a Decorative Balloon Business Face?

Balloon decoration businesses or professionals face various liability risks related to their operations. Some common liability risks include:

  • Third-party property damage if you accidentally damage a venue or client’s property while setting up or removing balloon decorations
  • Third-party bodily injury to clients or passersby, such as someone tripping over balloon strings or suffering an allergic reaction to latex balloons you use
  • Cybersecurity breaches if your website, point-of-sale (POS) system, or cloud storage system is hacked and sensitive information about clients is exposed
  • Damage to your business property, contents, and office equipment if your workplace is damaged by fire, flooding, extreme weather, theft, or vandalism
  • An auto accident involving a vehicle you drive for commercial use

Most venue owners and corporate clients will require you to show them a certificate of insurance or proof of insurance before allowing a balloon decorator on their premises.

What Does Balloon Business Insurance Include?

Balloon liability insurance may include the following types of coverages:

  • General liability insurance: General liability insurance covers third-party bodily injury and third-party property damage claims. It’s vital protection if someone is injured or their property is damaged on your premises or during an event where you work.
  • Product liability insurance: Product liability insurance covers third-party bodily injury or property damage claims caused by any product you manufacture, distribute, or sell, including balloons. This includes all types of balloon decorations, from simple balloon arches to complex balloon sculptures. Sometimes, this coverage is included with general liability insurance. You can add it to your policy as an endorsement if it isn’t.
  • Commercial property insurance: Commercial property insurance is necessary to cover your business property and contents from damage caused by fire, water, a natural disaster, theft, and vandalism. It may also include business interruption insurance to cover your company’s operating costs if forced to close temporarily for repairs following an insurable loss, such as a fire. You can add business interruption coverage to your policy if it’s not included.
  • Cyber liability insurance: Cyber liability insurance protects you from the financial fallout of a cyber-attack or data breach. For example, you can be held liable if your website or email account is hacked and confidential customer information is stolen or compromised. Cyber liability insurance provides funds to cover software restoration expenses, credit monitoring fees, and legal advice. 
  • Commercial auto insurance: A vehicle used for commercial purposes to drive to and from various events, celebrations, and appointments to provide your services should have commercial auto insurance. Most private-passenger car insurance policies don’t cover vehicles used to transport people, products, equipment, and materials for business purposes.

There may be other types of coverage your policy requires. Speak to a Zensurance broker if you have questions about what your policy should contain and its coverage limits.

How to Get Low-Cost Insurance for a Balloon Business

Don’t let an accident or claim against you burst your bubble and deflate your business. Get the customized, low-cost business insurance protection you need from Zensurance.

Take five minutes to fill out our online application for a free quote, and start protecting your business and financial wellness today. It’s a simple and straightforward process that puts you in control of your business’s future.

We’ll take the hassle out of getting insured by offering low-cost coverage through our partner network of over 50 insurance providers, and we’ll customize it to suit your specific needs and budget so you’re floating on air.

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About the Author: Brandon Bowie

Brandon Bowie is a Team Lead, Professional Lines at Zensurance.