Conventions and conferences hold value for all in attendance. These represent limitless opportunities to make friends, connections and to get in contact with people that would be interested in collaborative efforts.
Unfortunately, while these conferences and conventions hold great value, they also carry significant risks.
That's where conference and convention insurance comes in. This is a specialty events insurance for conventions and conferences. Dubbed as seminar insurance by some of the providers, this insurance policy helps protect you and your assets from lawsuits, property damage, and out-of-pocket expenses.
The specialized commercial insurance for seminars, conventions, and conferences doesn’t function on its own but is actually composed of many types of business insurance products, such as general liability insurance, cancellation insurance, etc., that ensure you mitigate the impact of specific risks. Note that while conference event insurance is not a legal requirement, most venues will require it if you plan to rent or lease their space
Some of the reasons why you need convention and conference insurance are equipment damage, breakdown, and theft; participant injuries, and volunteer injuries.
Regardless of the conference or convention size, you will need event and production equipment. Using these at your event site involves several hazards ranging from :
Besides, seeing as there will be a crowd at the conference, there will be some crowd management challenges you'll have to deal with. Imagine a scenario where, unfortunately, there is crowd-pushing as you didn't plan for enough stewards to be at hand to prevent it. In such a situation, someone could get injured and sue you to get compensation.
Further, consider a scenario where staff and volunteers get hurt from lifting heavy equipment, marshaling busy roads, or dealing with the attendees. And as such, volunteers can sue you for negligence.
Regardless of how thoroughly you plan, accidents will inevitably happen and having general liability insurance for conventions, conferences, and seminars provides you with sufficient cover.
General liability insurance for conventions, conferences and seminars to cover the costs associated with defending you against claims arising from personal injury, death, or property damage of your convention’s participants, visitors, vendors, and other individuals considered as third parties. Here are some concrete examples where you’ll find this policy useful:
Slip and fall accidents due to poor floor plan resulting in third party property damage or injury
Stampede or crowd unrest resulting in third party property damage or injuries
Equipment defects resulting in property damage or personal injury to the third party using it
Explosions and other related incidents that result in third party property damage or personal injury
Understand that there are some exclusions to general liability insurance. The policy doesn’t cover:
Personal injury claims or property damage claims filed by employees
Any injuries or property damage sustained by a third party who was over-served with alcohol
Defective products were given to the participants of the conference or convention
The majority of carriers underwrite general liability insurance for conventions, seminars, and conferences, which has a $1 million-$2 million per occurrence limit and $2 million aggregate limit. But note that you can find some selling a general liability policy having $5 million-$10 million per occurrence limit and $10 million aggregate limit.
Once you get general liability in place, the policy handles the legal costs associated with defending you and any other payments that you will be bound to pay in the future. For example in personal injury claims, general liability insurance will cover or reimburse the claimant’s medical expenses. And in property damage claims, the policy will refund the value of the claimant’s damaged property.
General liability insurance for conventions, conferences, and seminars can be customized by adding optional policies. Such optional policies are:
Rented premises liability coverage-Rented premises liability coverage will refund the owner if the venue you rented or leased is damaged by a fire
Advertising injury coverage- Advertising injury coverage takes care of administrative costs, attorney fees, and settlements if a third party sues your convention, seminar, or conference for slander, libel, and copyright infringement
Products and completed operations coverage-Covers costs if a third party files a personal injury claim or property damage claim after your conference, seminar, or conference was held
Volunteer accident medical coverage-Volunteer accident medical coverage allows general liability insurance to cover the medical treatment of volunteers who sustained injuries due to a work-related accident
Consider adding a liquor liability policy to your convention and conference insurance. This is useful if liquor is served or sold. The function of liquor liability insurance is to:
Pay for the medical treatment of the third party who sustained injuries after getting intoxicated by alcohol that was served or sold in your conference or convention
Reimburse the third party who sustained property damage after getting drunk by the alcohol that was served or sold in your conference or convention
Liquor liability insurance for conferences and conventions has a $300,000-$1 million limit. You can purchase the policy in two ways-buy it as a stand-alone policy or find a carrier that offers it as an optional policy to general liability insurance.
Will your conference or convention have a fireworks display? If this is the case, you must know that fireworks are excluded in the terms of your general liability policy. That’s why you need another type of convention and conference insurance - fireworks liability insurance.
Fireworks liability insurance covers medical expenses, reimbursements, and legal defense costs if the fireworks display of your convention or conference causes injuries, fires, or property damage. Having this insurance is very important, especially since it’s estimated that 9 people died and 11,500 were injured by fireworks in 2021. Another thing, depending on where the conference or venue is, fireworks liability insurance will be required for you to hold a fireworks display legally.
Fireworks liability insurance has a $500,000-$1 million per accident limit. Its aggregate limit is set at $1 million-$2 million. Similar to liquor liability insurance, fireworks liability insurance can be purchased as an add-on to general liability insurance.
Sometimes, conventions and conferences take participants in tours. If you plan to do the same, consider adding contingent ride liability policy to your conference and convention insurance. Contingent ride liability insurance kicks in when a participant sustains property damage or injuries during the tour. Any tours done on buses, boats, kayaks, bikes, submarines, etc. aren’t covered.
Sometimes, the limit of your general liability policy can’t fully cover the cost of a claim filed against your conference or convention. The only countermeasure for this is buying umbrella liability insurance.
When your general liability policy can’t completely shoulder the cost of a claim, umbrella liability insurance will kick in to pay for the excess. For example, if a third party files a $1 million property damage claim and your general liability policy only has $500,000, umbrella liability insurance provides another $500,000 so that you can fully cover the cost without spending personal funds.
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If you use owned vehicles to transport and fetch participants of the convention or conference, then don’t forget to purchase commercial auto insurance. This is a policy that consists of:
Auto liability coverage-Auto liability coverage will cover the resulting expenses if your commercial vehicle causes an accident while transporting a participant. It will cover the medical treatment of injured third parties or reimburse the loss of those who had their property damaged. Auto liability coverage also pays for attorney fees, administrative costs, and other legal expenses
Physical damage coverage-Physical damage coverage is available as a collision policy or comprehensive policy. Collision physical damage coverage will pay for parts repair or replacement if your convention or conference commercial vehicle sustained damage after crashing. On the other hand, comprehensive physical damage coverage will shoulder repair or replacement expenses if damage is sustained due to fire, theft, vandalism, and other covered perils
Medical payments coverage-Medical payments coverage will pay for the ambulance fees and emergency treatment of the driver and passengers who sustained injuries after your conference or convention vehicle got involved in an accident.
Personal injury protection-Personal injury protection covers the ambulance fees, emergency treatment, lost wages, and after-hospital visits of the driver or passengers who sustained injuries after your conference or convention vehicle caused an accident or got involved in an accident
Note that commercial auto insurance is only useful if you’re using owned vehicles for the conference or convention. And in case you’re hiring or borrowing vehicles, what you need to get is hired/non-owned auto insurance instead. Hired/non-owned auto insurance covers settlements and legal expenses if a borrowed/hired convention or conference vehicle causes an accident and injures third parties or damages their property.
Rental equipment insurance for conferences and conventions can be classified as theft coverage and equipment breakdown coverage.
Theft coverage reimburses losses if rented convention or conference equipment such as tables, chairs, sound systems, and projectors sustain damage or become lost due to theft.
Equipment breakdown coverage, on the other hand, reimburses losses if rented convention or conference equipment sustains damage or becomes lost due to vandalism, malicious mischief, fire, impact damage, mishandling, etc.
So how much insurance money can you get from rental equipment insurance? Limits vary from carrier to carrier. And so, be sure to be clear about the details before proceeding with the purchase of the policy.
Having to cancel or postpone your convention, conference, or seminar for reasons beyond your control is probably one of your worst nightmares. Fortunately, you can decrease the risk of having to cancel the event due to problems that emerge that are simply out of your control.
Convention cancellation insurance protects you from irrecoverable costs and expenses you might incur as a result of the cancellation of the convention, conference, or seminar. The cancellation policy reimburses you for said irrecoverable costs and expenses incurred. Further, it covers the loss of profit as a result of the unforeseeable abandonment, postponement, interruption, or cancellation of your event. The latter comes in handy when a guest speaker cancels as a result of illness or injury or if the venue is inaccessible due to closure or safety concerns. Further, suppose there are unforeseen adverse weather conditions. If you had to cancel or postpone the event, the cancellation insurance policy covers it.
Depending on the provider you go with, they might cover any additional expenses that reduce a loss if cancellation is threatened or the parameters of the event are to be re-arranged.
The conference insurance cost you end up paying is dependent on the size of the conference, convention, or seminar and particularly the number of participants.
A typical conference insurance premium will likely be $150 for just the one-day coverage. However, expect premiums to reach $200 or more for a one day coverage if there are more than 200 participants.
Always compare quotes online so that you get the best conference and convention insurance at the most reasonable price. Start by clicking the “Get Quotes” button on this page.
To get a better estimate of your rates, look at this table that shows the pricing of the carriers that covers conferences, conventions, and seminars:
|Cost for One Day Coverage
|Highly responsive customer service representatives
|Discounts for bundling coverage and free information resources
|Flexible insurance policy terms
|Larger conventions, seminars, and conferences
Also, we’ve made another table that shows how much insurance costs for conference and convention organizers.
|Cost per Month
|Cost per Year
|Conference and convention organizer insurance quotes comparison online
|Conference and convention organizer liability insurance
|General liability and cyber liability insurance for convention and conference organizers
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Here's a breakdown of the best conference insurance companies based on a thorough evaluation of insurers in the market today. We’ve also included carriers that insure conference and convention organizers. This evaluation included an analysis of the coverage types offered by each and their quotes. Further, the customer service was scrutinized, particularly the ease of obtaining a quote and subsequent purchase of the coverage
Get quoted over the phone
No online quotes
Tivly (formerly CommercialInsurance.NET) covers a wide range of customers. And so, you might get covered by this company even though it doesn’t explicitly state that it sells specialized insurance for conventions and conferences. Call Tivly now to know if its business insurance products are available for you and compare quotes over the phone.
Best for: Highly responsive customer service representatives
Average cost: $71 per day for a $1 million annual general liability insurance for conventions and conferences
Our rating: 10/10
Add venues as additional insureds for free
Unlimited certificate of insurance
Has terrorism coverage
You can’t add volunteers to your general liability policy
Doesn’t provide one day coverage
CoverWallet sells specialized insurance for conference organizers. The salient points of the policy are as follows:
Available as a general liability only policy, general liability with commercial property insurance, BOP with workers compensation insurance, and a custom plan
General liability insurance has products and completed operations coverage
Add venues as additional insureds for free
Another thing you need to know is that CoverWallet has an online quotes comparison platform. Use this to find other companies selling insurance for conference and convention organizers.
Best for: Conference and convention organizer insurance quotes comparison online
Average cost: $63 per month for $1 million annual general liability insurance
Our rating: 9/10
Covers conferences with up to 20,000 attendees
Flexible terms subject to the duration of the event
You get coverage for medical payments for bodily injury
A++ rating from A.M. Best
Exceptional underwriting discipline
First quoting turnaround times
USLI's conference insurance is not curated for smaller events
Conference insurance policies must be purchased through an agent
United States Liability Insurance Group (USLI) covers corporate events, including but not limited to conventions, seminars, conferences, and company retreats. USLI offers sufficient event coverage for conferences and conventions that host up to 20,000 attendees. For $118, you get one-day coverage for the conference, which is pretty much general liability coverage that covers your business against claims for bodily injury, property damage, and advertising liability
Some of the optional policies you can include to USLI’s conference and convention insurance are cyber liability coverage and liquor liability insurance.
Best for: Larger conventions, seminars, and conferences
Average cost: $118 for one day conference and convention insurance
Our rating: 9/10
Flexible insurance policy terms
You can quote and purchase the cover online
You can extend, cancel or modify the conference insurance policy right from the application
Customer support is only available online
Claims can only be filled either by email or through the phone
Conference insurance policies are not available in all 50 states
Thimble conference insurance protects your financial consequences arising from claims including non-employee, third-party bodily injury, third-party property damage, personal and advertising injury, and damages from liquor liability.
Thimble's convention insurance cost for one day without additional liquor liability attracts two different pricing tiers. If your convention is smaller in size with less than 50 attendees, your premiums on average will be between $115 and $125. If your conference has about 200 to 250 attendees, you will likely pay between $188 and $201.
Consider adding business equipment protection if any damage was to come to your business equipment. Further, add workers' compensation insurance to cover the employees helping with the execution of the conference. If your convention or conference will be using drones, consider getting drone liability insurance from Thimble.
Best for: Flexible insurance policy terms
Average cost: $115-125 per day for convention and conference insurance
Our rating: 8/10
Cheap $25 deductible for cancellation policy claims
Conference liability insurance starts as low as $75 for $500,000
15% discounts if you bundle the conference liability policy and conference cancellation policy
Coverage is available in all 50 states, including some international destinations
Conference liability coverage is not available for international destinations
Property damage claims incur a $1,000 deductible
Markel stands out the most for its low-cost event policies, making it possible for smaller conventions, conferences, and seminars to get insured. Specifically, Markel doesn't require that you get a $1 million liability. Markel actually sells conference insurance with liability starting at $500,000 for a price of just $75. This helps you save by not having to overpay for coverage. Their structure is such that you end up saving $15 by bundling the conference liability policy with a conference cancellation policy.
Markel's conference cancellation policy is available in 50 states, and conferences, conventions, and seminars in Canada, the U.K., Mexico, and several Caribbean Islands can also purchase it. If your conference is happening on a cruise ship departing from a U.S port, you can also purchase conference liability coverage from Markel. Note that in such a scenario, you will be required to pay a $1,000 deductible for property damages, all out of pocket.
Be sure to take advantage of the free resources offered on the website to help with planning.
Best for: Discounts for bundling coverage and free information resources
Average cost: $75 per day for a $500,000 liability insurance for conventions, conferences, and seminars
Our rating: 8/10
General liability has professional liability insurance included in its terms
Cheap commercial property and workers compensation insurance
Doesn’t cover conferences or conventions only their organizers
NEXT covers convention and conference organizers. Policies offered by this company are general liability, workers compensation insurance, commercial auto insurance, and commercial property insurance. We recommend this company if you’re looking for a carrier that offers a very useful certificate of insurance. Upon getting insured, NEXT gives you an online certificate of insurance. You access this via the NEXT app and send as a text message, email, or social media post.
Best for: Conference and convention organizer liability insurance
Average cost: $65 per month for a $1 million annual general liability insurance for conference and convention organizers
Our rating: 7/10
In house team of insurance adjusters
Poor customer reviews on BBB
Similar to NEXT, Hiscox doesn’t cover conventions or conferences but only their organizers. Policies offered are general liability and cyber liability insurance. Go with Hiscox if you’re looking for a company that handles claims quickly. Another thing that you’ll find attractive about this company is that it provides worldwide coverage:
Best for: General liability and cyber liability insurance for convention and conference organizers
Average cost: $68 per month for a $1 million annual general liability insurance for conference and convention organizers
Our rating: 7/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!