Event Planner Insurance: Cost, Quotes From $5 & More

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event party with confetti

If you work in a nightclub or a bar, you likely know a thing or two about how rowdy events can get, and it’s often a good idea to make sure that you have insurance before hosting one of these events. In today’s guide, we will cover all the details you need to know about event planner insurance.

The main issue is that it can be hard to know what kind of coverage you need and how much you can expect it to cost you if you’ve never purchased event planning insurance before. We’ll explore the various forms of coverage that you’ll find available today, and we’ll even look at some of the best event organizer insurance companies out there.

Types of Insurance for Event Planners

There are various forms of insurance available for event planners, depending on the exact risk that you want to be protected from. It’s always a good idea to consider the top risks that you have to deal with when getting insurance because it’s often financially prohibitive to get every kind of coverage available.

Some of the most common forms of insurance coverage for event planners include liability insurance policies, but you’ll also find business policies available, sometimes referred to as BOPs (Business Owner Policies). Let’s take a look at some of the most popular insurance policies available to event planners.

Event Planner Liability Insurance

Liability insurance is one of the most popular forms of insurance coverage for event organizers because it applies to many issues resulting in financial ruin. A liability insurance policy is designed to pay out if someone ends up getting injured while at one of your events.

However, these policies can also pay out if someone has their property damaged at an event that you organized. Keep in mind that you have to be found liable for the damages sustained by that individual for the insurance policy to pay out for you, hence the name “liability insurance policy.”

One thing to consider is that there are various forms of liability insurance, including public liability coverage.

Public Liability Insurance for Event Organisers

Public liability insurance for event organizers is the more affordable form of liability coverage that you’ll find available. It is more affordable than general liability coverage because it will apply to a smaller proportion of people than general liability coverage, limiting the time the insurer will have to payout.

In the case of a public liability insurance policy, it will only payout for damages that you’re liable for if they were sustained by a member of the public. The public includes any guests at an event, one of your clients, or even members of other companies attending your event like caterers.

Public Liability Insurance for Charity Events

However, keep in mind that you can get different types of public liability coverage based on the type of event you’re hosting. For example, if you want to host a charity event, then you’ll need public coverage for those kinds of events. Always be sure to share what kinds of events you plan with your insurance carrier or agent.

The insurance company must know what kind of event you’re hosting because that will make it easier to determine how much they should charge you. For example, if you’re hosting charity events, then you’ll end up spending quite a bit less on your coverage because there’s less of a chance of people getting injured than at something like a party.

Business Insurance for Event Planners

Another option for event planner insurance is business insurance, also known as a business owner’s policy. These policies tend to bundle in multiple forms of coverage for a cheaper price than you would pay if you were to get your hands on those types of coverage separately.

In most cases, a business insurance policy will contain at least one form of liability coverage, and that’s usually a general liability policy. Coupled with this general liability insurance, you’ll also get commercial property insurance, which is designed to pay out if the premises of your event ends up getting damaged.

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Party Planner Insurance

Party planner insurance is another type of event planning insurance, and you can get various policies under the umbrella of party planner insurance. For example, you can get either general or public liability party planner insurance, or you can get a party planner insurance business policy.

One thing to keep in mind is that party planner insurance tends to be one of the more expensive forms of event planning insurance because of the common hazards when parties are held. For example, people have a higher chance of getting hurt or causing damage to the area where the party is being hosted when they get drunk.

Event Planner Insurance Cost

The cost of event planner insurance depends on a few different factors, including the kind of policy you intend to get your hands on. As we’ve already mentioned, public liability policies tend to be a bit more affordable than general liability policies because they don’t pay out in as many cases.

However, a lot of the cost of your event planning insurance policy is also dependent on you and your event planning business. As always, the size of a business is one of the main factors determining the cost of event planner insurance, with larger businesses paying more for their coverage.

This is because larger businesses will have more clients over the course of their policy, which will increase the chance of them filing a claim with the insurance company. Smaller companies enjoy lower premiums for the opposite reason because the chance of a claim being filed is lower with fewer clients.

The insurance company that you’re getting a quote from will also look at the history of your event planning business. If you have a history of planning events that go terribly wrong and result in claims being filed, then you’ll be seen as a higher risk and will have to pay more for coverage.

CompanyCost per monthCost per year
R.V. Nuccio and Associates$26$312

The average cost of event planner insurance monthly is around $27 and $468 yearly. Getting insurance for event planners protects them. Its insurance coverage is specifically tailored to the needs of these planners. However, the insurance cost varies based on business factors. The average cost of event planner insurance monthly is around $27 and $468 yearly. Getting insurance for event planners protects them. Its insurance coverage is specifically tailored to the needs of these planners. However, the insurance cost varies based on business factors.

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Best Event Planner Insurance Companies

When looking for the best event management insurance available, you’ll need to look closely at the companies providing the coverage. To make this easier for our readers, we’ve gone ahead and researched some of the top insurance companies in the event planning insurance field and gathered them here.

We’re going to look at the three companies that we included in the table up above in greater detail, exploring their history, policies, and the cost of their insurance.

R.V. Nuccio and Associates Event Planner Insurance

R.V. Nuccio and Associates is an insurance brokerage firm that works with some of the most reliable carriers in the world to provide its clients with quality coverage in a wide range of niches. This includes working with event planning companies to insure parties, weddings, and more.

R.V. Nuccio and Associates Policy Details

R.V. Nuccio’s event planning policies start at $95, and they feature several components, including general liability coverage with a limit of $1 million per occurrence and $2 million aggregate, as well as suitable property coverage. R.V. Nuccio also offers coverage against theft or willful destruction by employees.


  • Wide range of coverage

  • Affordable

  • Good limits


  • Only a brokerage firm

Average cost: $26

Best for affordable coverages

Hiscox Event Planner Insurance

Hiscox started as a marine insurance underwriter for Lloyd’s of London, but the company has moved into niche insurance over the course of the past few decades. The company specializes in forms of insurance that typically aren’t offered by the competition, which extends to event planning insurance.

Hiscox Policy Details

Hiscox offers a specific policy for event planners have all of the insurance that they need. This policy includes general liability coverage, professional liability insurance, and BOPs for those looking for more comprehensive coverage. The company also offers a wide range of add-ons for these policies.


  • Quick to respond to claims

  • Coverage extends around the world

  • Highly-trained agents


  • A little slow to get a quote

Average cost: $34

Best for traveling event planners

Progressive Event Planner Insurance

Progressive has always prided itself on being one of the world’s most innovative insurance companies, and they’ve certainly proved that throughout their history. This company was one of the first to pioneer the online claims process, and this is a reputation that follows them to this day.

Progressive Policy Details

Progressive offers insurance in this industry under its Event Planner Insurance policy, which combines a few different forms of coverage. For example, it features general liability coverage, professional liability coverage, and even commercial auto insurance. The policy optionally includes a BOP as well.


  • Customizable insurance policies

  • Easy to get a quote

  • Quick claims responsiveness


  • Expensive

Average cost: $38

Best for getting coverage in a rush

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