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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
These are the common types of insurance for event planners you can buy online, through a broker, or insurance agent:
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:
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:
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:
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:
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:
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;
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:
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 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 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).
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.
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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
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
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
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
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
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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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