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Party Insurance: Liability, Cost & Quotes from $11

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Suppose you are in the process of planning a party. In that case, whether it is an engagement party, a Bar Mitzvah, christening, birthday, or retirement, you will need a party insurance policy. On the other hand, if you plan to have a private party, you will need to get private party insurance.

Party event insurance provides liability and cancellation cover. It often has provisions whereby customers can add other policies like equipment insurance. The tenet of these insurance policies is to provide some form of cushion from the ramifications of a party going sideways.

On the other hand, as a party planner, your priority is likely to make the event as safe as possible for guests, photographers, videographers, and other third parties. While you work around the clock to provide an unparalleled experience during the party, you shouldn't have to worry about what could possibly go wrong. Specifically, you are going to require party planner insurance which should cover you from public liability during the party. Besides, it is current industry practice for venue coordinators to ask party planners to present proof of their party planner insurance.


Also read:Sports Event Insurance: Liability, Cost & Quotes from $11

Party Liability Insurance 

Liability insurance is required for hiring a venue for your party - gardens, town halls, and other related locations.  This is primarily offered as general liability insurance or public liability insurance. 

 

An accident will happen during your party and someone will surely sustain an injury or property damage. The purpose of general liability insurance is to cover this situation. Here’s what it does:

  • If someone slipped and sustained a fracture or got cut by something, general liability insurance will cover medical and funeral expenses if a claim is filed

  • If a guest or any other third party holds your party liable for property damage, general liability insurance covers reimbursements

  • If the aggrieved person decides to take legal action, general liability insurance will pay legal expenses - attorney fees, compensatory payments, administrative costs, etc. 

 

General liability in one day party insurance policy can be added with rented premises liability coverage. Rented premises liability coverage is very useful because it will take care of expenses if your party inflicted damage to a hired venue. 

 

Public liability insurance for private party and public party is a policy that protects the policyholder from claims of personal injury or property damage that an aggrieved third party might file. Yes, this one works similarly to general liability insurance. But note that this party liability insurance is more limited in scope. Why? Compared to general liability insurance, public liability insurance can’t be added with endorsements. 


Also read: Festival Insurance for Vendors: Cost, Liability & Quotes from $11


Alcohol Insurance for Party  

Liquor liability insurance for party is meant to protect the policyholder from any consequences of property damage or bodily harm due to alcohol consumption. If you intend on having an open bar or allowing the revelers to come with their own booze, it would be best to purchase party alcohol liability insurance to protect yourself in the event of excessive intoxication.  

 

Party Cancellation Insurance  

Suppose you have made a financial investment towards a party and said party gets canceled for one reason or another. Without party cancellation insurance, you'll have to forego the deposits you'd made and solely take the financial ramifications of said cancellation. Depending on the insurer you go with, you should be able to stipulate the terms that warrant a reimbursement in the event that the party is canceled. 

 

Party Insurance Cost

On average, one day insurance coverage for parties costs $110. But note that your actual rates will vary and are determined by taking length of coverage, number of attendees, and location into account. 


Average Cost for One Day CoverageBest for
CoverWallet $82Party insurance quotes comparison online 
Hiscox  $92Insurance for party vendors
Event Helper$75Automation of entire party liability insurance purchase process 
Allstate$112 Claims handling
State Farm $119Businesses involved in facilitating parties, including party rental businesses
USLI $122Corporate parties 


Click the "Get Quotes" button to see the offers and pricing of the best companies. 

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Party Rental Insurance  

If there's a business that's serious about parties, it has to be a party rental business. Are you running one and taking charge of organizing the exciting parties clients have in mind? But while the end goal is to create a fun experience, exposures require that you, as the business owner, purchase insurance for party rental business. Inclusions are as follows:

  • General liability insurance - Covers costs if an accident happens in the premises of your party rental business that inflicted personal injuries or property damage to third parties. This one comes with product liability insurance which covers cost if rented equipment such as a bounce house is defective and caused injuries or property damage to the renter 

  • Equipment breakdown insurance - Equipment breakdown insurance for party rental companies will cover losses if the client damaged rented equipment

  • Commercial property insurance - Commercial property insurance will recoup losses if your party rental business’s building and the contents inside become damaged or lost due to fire, theft, vandalism, and other covered perils 

  • Workers compensation insurance - Workers compensation insurance will cover costs if an employee of your party rental business experiences a work-related injury or disease. Coverage extends to expenses for medical treatment, hospitalization, rehabilitation, medication, lost income compensation, and death benefits 

 

Tent Rental Business Insurance

Tent rental business insurance is a tailored protection for businesses renting out tents for parties and other events. Inclusions are general liability insurance, equipment breakdown insurance, and commercial property insurance. That said, the features of the coverage aren't very different from party rental insurance. 


 Party Rental Insurance Cost  

On average, a party rental business in the United States will spend approximately between $500 and $1,000 per year on a party rental insurance cover of $1,000,000. The monthly premium rates will range between $41.66 and $83.33 depending on the coverage the policyholder has bundled together, the location of said party, claims history, business history, and more. 


Party Bus Insurance  

Owning and operating a party bus is, without a doubt, exciting. You take on the responsibility of ensuring that customers on your party van have the best time of their lives. 

 

Beyond the enjoyment, however, lies a great responsibility. You are solely in charge of ensuring that passengers on your party bus stay safe the entire time they are within the vehicle. This responsibility can be quite overwhelming, which is where party van insurance comes in. 

 

Most often, the party bus insurance will include general liability insurance that protects your business in the event that a passenger on the party bus gets injured. Moreover, since most party buses will have alcoholic beverages, some insurers will include liquor liability insurance as part of the party bus insurance. Further, since you probably will probably hire additional drivers as your party bus business grows, you should consider bundling workers 'compensation insurance into your party bus insurance policy. 

 

Add commercial auto insurance for your party bus’s tailored coverage. Commercial auto insurance for party bus provides the following protection:

  • Auto liability coverage - Your party bus will cause an accident and injure third parties and damage properties. Auto liability coverage will help with this. When aggrieved parties file a claim, auto liability coverage will cover medical expenses and reimbursements for damaged properties. Note that injuries or property damage of passengers are excluded by auto liability coverage

  • Physical damage coverage - Physical damage coverage sees to it that your party bus gets back to its pristine shape after incurring damage. This has two forms - collision and comprehensive. Collision physical damage coverage will cover parts repair or replacement if your party bus rammed a vehicle or an object. On the other hand, comprehensive physical damage coverage will cover parts repair or replacement if your party bus got damaged by fire, wind, vandalism, theft, and other covered perils 

  • MedPay/personal injury protection - MedPay and personal injury protection functions to protect the passengers and driver of your party bus. If the passengers and drivers got injured because of a vehicular accident, personal injury protection provides help by covering medical expenses, funeral expenses, lost income compensation, after-hospital visits, etc.  On the other hand, medical protection does the same but only covers medical and funeral expenses. 

 

Party Bus Insurance Cost  

The average party bus insurance will cost  $25 per month or $300 per year for a $1 million general liability insurance. 

 

When deciding the cost of your party bus insurance, the insurer will consider the type of vehicle, the routes taken, and activities likely to be carried out on the bus. 

 

To keep your premiums low, consider having stringent safety measures in place. That way, there's little risk of property damage and bodily injury within the confines of the party bus. Also,  get the best coverage by comparing quotes online.

 

Birthday Party Insurance 

Birthday parties are all fun and games until one of the parties in attendance damages the venue's property, or they end up getting hurt and consequently filling a claim. Given the risk therein, it is only right to put a hold on the birthday party celebrations until you purchase the right party event insurance.

 

Birthday party event insurance protects the birthday party's host from the financial ramifications resulting from any liability claims filed by an aggrieved party. Other than the event host, this birthday party insurance should cover the party planner and, in some instances, the venue management.      

 

Public Liability Insurance for Birthday Parties 

Right out of the gate, it is prudent to mention that while the law doesn't mandate a public liability for private birthday parties, said parties with members of the public require that the host of the private party purchase public liability insurance. 

 

This public liability insurance for birthday parties should cover you from any claims filed by the members of the public. The provider covers any costs that might arise as a result of the said filed claim. The policy extends to any property damage caused by party attendees. 

 

Block Party Insurance  

Imagine a scenario where part of the setup is damaged during a block party, or an individual falls, trips, or possibly causes harm. In these litigious times, where a lot more people are aware of their legal rights, you are prone to getting sued or, worse still; incur the risk of meeting the financial responsibility resulting from the legal action. 

 

That's why getting block party insurance is a must. 

 

Your block party insurance will often include street party cancellation and disruption insurance. You also can get one-day party insurance, which should cover any unplanned occurrence on the day of the block party. 

 

Note that while some local council might not insist on getting street party event insurance, it's still best that as an event organizer, you get one to cushion you from bearing the legal responsibility if something were to go wrong. 

 

Further, it is prudent to mention that a club or association insurance will often not be sufficient as this does not extend to outdoor events. 

 

Pony Party Insurance  

Little is as invigorating as a pony party. Unfortunately, much as it is gratifying, pony parties hold quite the risk. It would be an understatement to say ponies are unpredictable. Suppose you are an owner or operator of a pony ride business, or you are considering including pony rides for your party. In that case, you must get a pony party insurance cover.

 

Pony party insurance is meant to protect you from public liability in the event that a party goer falls off during a ride. What's more, the pony party insurance should cover you against employer's liability and the legal expenses that come as a result of being sued by the aggrieved party. As a policyholder, you can either get a one-off insurance cover or an annual policy subject to the number of pony parties you intend.

 

Overall, lining up your ponies and rallying everyone up in anticipation of the exhilarating ride is not enough. You've got to ensure that you have the right cover that way; you protect yourself and the pony rider.

 

Pony Party Insurance Cost  

As highlighted, pony parties hold significant risks. The tradeoff is that pony party insurance will be a bit pricier. Specifically, a pony party insurance will set you back on average between $800 a year or $66.66 per month. Suppose you are looking for a one-off insurance cover for the pony party. In that case, you can negotiate the rates with the insurance provider. 

 

Hen Party Insurance  

Hen parties are a great deal of fun. It's the perfect opportunity to meet up with the girls and enjoy the bride-to-be's last night of freedom. Most often than not, these hen parties end up wild and depending on who you are and where the party was held, a couple of issues might crop up.

 

Suppose, for whatever reason, the hen party gets out of hand, or it doesn't happen in the first place. In that case, you want to have a comprehensive cover in the form of hen party insurance. 

 

 The hen party insurance should cover:

  • Medical emergency costs 

  • Theft and loss of gifts and other personal items 

  • Personal liability in the event that a party gets injured 

  • Personal accident coverage in the event that you do get hurt 

 

Granted, the hen party insurance might not be a failsafe for everything that might go wrong. Still, it should give you some peace of mind and let you enjoy the hen party without worrying about what could go wrong. 

Rank and Review Insurance Companies

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Best Party Insurance Companies

Here are some reviews of the best party insurance companies. Know their pros, cons, and pricing for a one-day coverage.


CoverWallet Party Insurance


Pros

  • Find and buy insurance directly with CoverWallet

  • Online policy management

Cons

  • Not an insurance company but an insurance broker


CoverWallet doesn’t sell insurance for parties. However, it has an online quotes comparison platform you can use to find and compare the offers of carriers underwriting insurance for parties. Note that CoverWallet has a tailored event insurance though. This means that you might get your party covered using that. Inclusions are general liability insurance and cancellation coverage.


Best for: Party insurance quotes comparison online

Average cost: $82 for one-day coverage

Our rating: 10/10


Event Helper Party Insurance


Pros

  • Insurance premiums that are as low as $75

  • Easy quote and ordering process

  • Responsive and knowledgeable customer service

Cons

  • Doesn’t offer cancellation coverage

Event Helper, Inc., founded in 2009, is an online insurance company that offers various policies, including coverage for thousands of events, including parties. The brokerage firm starts off its interaction with event planners by offering 100% free quotes on party insurance coverage.

Event Helper is committed to offering its customer base the lowest cost coverage without compromising on the quality of coverage. The party insurance from Event Helper does meet significant venue requirements. The insurer is so confident about the latter that they offer a money-back guarantee in the event that the venue declines the insurance policy.

Best for: Automation of entire party liability insurance purchase process

Average cost: $75 for one-day coverage

Our rating: 8/10

Allstate Party Insurance


Pros

  • Massive reach

  • Wide range of party insurance products

  • Enough local agents to streamline claim reporting and payment

Cons

  • Public parties and private corporate parties are not covered

  • Below-average customer service

Allstate is among the largest insurers in the country. Founded in 1931 as an auto insurance company, the entity has evolved to offer more than just property, casualty, and auto insurance. Specifically, Allstate offers party insurance as part of the special event insurance policy.


Best for: Claims handling

Average cost: $112 for one-day coverage

Our rating: 8/10

State Farm Party Insurance


Pros

  • A nationwide network of able agents

  • General liability insurance of up to $1,000,000

  • Possibility of adding on specialty coverages

Cons

  • Inconsistent customer service

  • Cross-state restrictions that hamper good service

State Farm was founded in 1922 by G.J. Mecherle, who had extensive experience as an insurance salesman. Granted, State Farm is best known for its auto and home insurance offering. Still, it has specialty products for parties, including weddings, birthdays, anniversaries, and graduations.

Businesses involved in the party's landscape should find State Farm exceptionally enticing as its general liability cover includes professional liability. Besides, there's room to bundle different policies to meet individual needs effectively.

Best for: Businesses involved in facilitating parties such as party planning businesses

Average cost: $119 for one-day coverage

Our rating: 8/10

USLI Party Insurance


Pros

  • Comprehensive coverage for caterers, bartending services, and banquet venues is available

  • Policies for one-day and multi-day parties are available

  • Coverage for events with up to 20,000 attendees

  • Host liquor liability coverage available

Cons

  • USLI is not BBB accredited

USLI, short for United States Liability Insurance, is an insurance company that provides coverage in all 50 states and the District of Columbia. Founded in 1867, USLI boasts of being the first insurance company in the country. With time, it has evolved to the status of an A++ insurer. Its underwriting capabilities and strong capitalization make USLI stand out as it is able to hastily process claims and payout reimbursements.

Best for: Corporate parties

Average cost: $122 for one-day coverage

Our rating: 9/10

Hiscox Party Vendor Insurance


Pros

  • Covers international parties

  • Insurance products specifically curated for micro-businesses within the party niche

Cons

  • A meager nine offices throughout the U.S

  • Doesn't cover businesses in Alaska

  • Hiscox's parent company is not U.S based

Hiscox was founded in 1901 and has since morphed to do business in 14 countries, and all the 50 states in the U.S. Amongst the most sought-after insurance products from Hiscox are professional liability, workers liability, and general commercial liability. The latter is especially handy for small businesses within the party celebration niche.

Best for: Insurance for party vendors

Average cost: $92 for one-day coverage

Our rating: 6/10

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