Event Planner Insurance: Cost & Quotes

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Updated: March 27, 2025 . 8 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Event planner insurance is a specialized protection program for the planners of  birthday parties, weddings, trade shows, concerts, and other events.

 It offers liability and casualty insurance products for business income loss, lawsuits, employee injuries, and property damage. 

This article focuses on 

  • How the different types of business insurance for event planners work
  • How much coverage to get as an event planner
  • The cost of premiums
  • Where to get the best coverage

Types Of Insurance for Event Planners

These are the common types of insurance for event planners you can buy online, through a broker, or insurance agent:

  1. General liability insurance
  2. Professional liability insurance
  3. Commercial auto insurance
  4. Workers compensation insurance
  5. Commercial property insurance
  6. Rental equipment insurance 

Event Planner Liability Insurance

General liability insurance is essential for your work. You need to have at least $1 million-$2 million worth of this event planner insurance coverage. 

Most clients will require you to get general liability insurance. This policy sees to it that you can indemnify them if someone sustains bodily injuries or property damage during the event. 

Event planner liability insurance takes care of these costs each time a claim for property damage or bodily injuries is filed against you by clients, independent contractors, vendors, and other third parties:

  • Medical treatments for the injuries you caused
  • Refunds for the property you damaged
  • Attorney fees, court filing fees, investigation fees, and other legal defense expenses
  • Court judgments

Insurance companies underwrite general liability insurance for event planners as a broad-form policy. And so, its language doesn’t only have the function of public liability insurance for event organisers and also protects you against:

  • Claims for slander, libel, and copyright infringement
  • Liability over damage to a rented venue
  • Accidents caused by a borrowed or hired commercial auto 

Professional Liability Insurance for Event Planners 

Event planning is a hectic job.This is why most event planners get a $1 million-$2 million professional liability insurance for event planners aside from general liability insurance. 

Also called errors and omissions insurance or professional indemnity insurance, this inclusion in your event management insurance covers claims filed because your service has significant flaws. Professional liability insurance is useful when:

  • A client accuses you of providing substandard service that’s not equal to the amount they paid for
  • A client accuses you of bailing out of an event planning project to cater to another client who gives more commission

Each time a claim for negligence, misrepresentation, violation of good faith, and missed deadlines is filed, professional liability insurance will cover these costs on your behalf:

  • Settlements
  • Defense costs
  • Court judgments

 

Commercial Auto Insurance for Event Planners 

Traveling is a part of an event planner’s daily tasks. Commercial auto insurance covers the unfortunate events that can happen while you’re using a vehicle for business purposes. Use this inclusion in event organizer insurance to:

  • Cover the medical treatment of third parties you injured or inflicted property damage through an auto accident
  • Cover maintenance expenses if your car got damaged because of fire, theft, vandalism, weather, or collision
  • Cover your own medical treatment and the passenger’s medical treatment if your auto got involved in an accident caused by an uninsured or underinsured driver

 

Workers Compensation Insurance for Event Organizers

Workers’ compensation insurance covers the occupational diseases or injuries sustained by your part-time or full-time employees.

 Independent contractors might also ask you to name them as additional insureds in this event organiser insurance policy. 

Most states require workers’ compensation insurance. because it will fully cover; 

  • Surgeries, therapies, lab tests, and other expenses for medical treatment
  • Costs for prescription medicines
  • hospital bills
  • Employee rehabilitation and retraining
  • Lost wages of an employee
  • Employee funeral expenses and allowance to dependents

Commercial Property Insurance for Event Planners

Building an office and buying furniture for it costs a lot of money. Thats why you need commercial property insurance. 

Commercial property insurance protects your office, whether it’s owned, leased, rented, or a private space at home. This insurance policy will recover your losses if the event planning office gets damaged or destroyed by: 

  • Fire
  • Theft
  • Vandalism
  • Civil commotion
  • Riot
  • Sinkhole collapse
  • Volcanic action
  • Impact
  • Vehicle

Rental Equipment Insurance

While not usually included in most event and party planner insurance plans, rental equipment insurance is also useful for your work. You need this to rent sound systems, tables, chairs, and other equipment for events.

Most equipment rentals will require you to get a rental equipment policy that lasts for a few hours or days. As an event organizer, you need $5,000-$15,000 rental equipment insurance. 

Rental equipment insurance compensates  losses or provides a replacement piece in case a hired equipment gets damaged or lost because of theft, malicious mischief, and other covered perils. 

Wedding Planner Insurance 

Wedding planner insurance is a tailored coverage for event planners specializing in weddings. This is available as a one-day or long-term insurance policy.

 Inclusions are general liability insurance with products and completed operations coverage, professional liability insurance, commercial auto insurance, and workers’ compensation insurance. 

 

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One Day Event Planner Insurance

One day event planner insurance is a short-term general liability policy having the language of public liability insurance for charity events, birthdays, and gatherings in its terms. It grants temporary protection against claims for bodily injuries or property damage. 

Insurance companies that offer this policy are Thimble, Hiscox (in partnership with Thimble), and The Hartford (in partnership with Putty).

 

Event Planner Insurance Cost

One quick way to determine the event planner insurance cost is to look at the pricing of each insurance policy. The table below shows the rates of general liability, professional liability, and other insurance for event planners:

Cost per Year Cost per Month
General liability insurance $27 $324
Professional liability insurance $33 $396
Workers compensation insurance $42.83 $513.96
Commercial auto insurance $45 $540
Commercial property insurance $30 $360

Expect to pay $27 per month or $324 per year for a $1 million general liability insurance, if you’re an event planner with 5 employees and generate a revenue of $500,000-$750,000 per year.

Get Quotes 

Best Event Planner Insurance Companies

 

NEXT

NEXT is available in all 50 states. In other words, it can cover you regardless of where you are. Policies included in NEXT’s event planner insurance are general liability, professional liability insurance, commercial auto insurance, workers compensation insurance, and commercial property insurance.

Average cost: $17 per month

Our rating: 10/10

Pros

  • Best overall
  • Get an online proof of insurance and send as a text message, email, or social media post
  • Fastest general liability insurance for event planners
  • Great customer service and reputation
  • Issues an online proof of insurance instantly
  • Outstanding value for money
  • Bundle two or more event planner insurance policies and get a 10% discount

Cons

  • Couldn’t find any

 

CoverWallet 

CoverWallet has an online quotes comparison platform where you can find insurance companies that offer coverage for event planners. 

Upon getting insured, CoverWallet allows you to pay premiums and get a certificate of insurance online. Furthermore, you can cancel your policy at any given time. Lastly, CoverWallet’s online insurance agents are available online to help resolve issues regarding claims filing and policy cancellation.

Average cost: $20 per month

Our rating: 10/10

Pros

  • Get the quotes of different carriers within minutes
  • Compare pricing and offers before deciding to get insured
  • Get insured online within minutes

Cons

  • Policy cancellation takes 30 days to be processed

Rank and Review Insurance Companies

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Tivly®

Tivly® is a partner of many insurance companies. Customers who can’t get covered by some carriers are referred to this company. Policies you can get from Tivly® are general liability, workers compensation, professional liability, and commercial auto insurance. 

Average cost: $22 per month 

Our rating: 10/10

Pros

  • A partner of reputable insurance companies
  • Call and compare event planner insurance quotes over the phone
  • Responsive customer service 

Cons

  • You need to call to get a quote

 

Thimble

Thimble’s event planner insurance offers general liability insurance and professional liability insurance. Get it if you’re looking for an insurance policy that provides coverage for only hours, weeks, days, or months.

Average cost: $25 per month

Our rating: 9/10

Pros

  • Easy to use insurance management platform
  • File a claim online
  • Contact customer service online

Cons

  • Some customers reported that Thimble takes time to process claims

 

Hiscox

Hiscox started as a marine insurance underwriter for Lloyd’s of London.It offers a specific policy for event planners who have all of the insurance that is needed. 

This 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.

Average cost: $34 per month

Our rating: 8/10

Pros

  • Quick to respond to claims
  • Coverage extends around the world
  • Highly-trained agents

Cons

  • A little slow to get a quote

 

Progressive

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.

Average cost: $38 per month

Our rating: 7/10

Pros

  • Customizable insurance policies
  • Easy to get a quote
  • Quick claims responsiveness

Cons

  • Expensive

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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