Event planner insurance
Event planner insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$18.07
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$18.07
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does an Event Planner Need Business Insurance?
As an Event Planner, you’re an expert at anticipating issues and problem-solving on the fly. Whether you’re orchestrating a workshop for 10 executives or a conference for 10,000, you know how to stay calm under pressure. But no matter how much you prepare, you can’t always control the inevitable accidents, mishaps, and unforeseeable circumstances.
At Simply Business, we can help you plan for the unexpected. All it takes is a phone call or a single online visit. We’ll go to work finding quotes from the nation’s top insurers. We can usually get you covered with a fresh blanket of protection in about 10 minutes.
Ready to make the call?
Benefits of event planner insurance:
- It can protect your business from certain claims.
- Proof of insurance can help clients feel good about your work.
- It may be required where you’re located.
What Type of Event Planner Insurance Do I Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/mon*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business Insurance FAQs:
What is General Liability Insurance?
Insurance policies available for event planners:
What Type of Insurance do Event Planners Need?
Event planners often find themselves managing chaos from the eye of the storm. And each event brings a different set of challenges and risks. At Simply Business, we have multiple coverages available to help you customize your event planner insurance to fit your specific needs.
Here are three types of policies we typically recommend:
General Liability Insurance
General liability insurance covers costs resulting from third-party accidents, property damage, and bodily injuries, including clients and vendors.
As an event planner, it’s your job to make sure the day goes smoothly. But unforeseen accidents happen to the best of us. And without this type of coverage, your business may be responsible for those costs.
Just imagine, you’re coordinating a major fundraising event. While entering the reception hall, the president of the nonprofit trips over your laptop cord and sprains her ankle. After the event, she sues you for the cost of the medical bills, claiming that your carelessness led to the incident. Not very charitable, but lawsuits do happen!
Without a general liability policy, you may need to pay the claim out-of-pocket and may even have to hire a lawyer to defend your business.
But fear not — we have your back! General liability insurance could help pay the cost of the claim, medical costs, and legal fees, up to your policy’s limit.
Here’s what general liability (GL) insurance usually covers:
-
Third-party bodily injury
-
Third-party property damage
-
Personal and advertising injury
-
Claims arising from product defects
-
Medical expenses
-
And more
GL insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Expected or intentional injury or damage
- And more
Workers’ Compensation Insurance
As an event planner, you often collaborate with multiple partners to deliver memorable experiences. But if you have employees — whether they’re part-time or full-time — there’s a good chance you’ll also need workers’ comp (WC) coverage. Workers’ compensation insurance helps protect your business financially if an employee gets injured or sick while working for you.
States can have different laws and regulations. You can learn more about the requirements in your state here.
Workers’ comp can cover:
- Medical costs
- Lost wages during a worker’s time off
- Rehabilitation expenses
- Death benefits
It does not cover:
- Client or vendor accidents
- OSHA fines
- Work safety improvements
- Wages for a worker who replaces the injured employee
Inland Marine Insurance
As an event planner, you’re constantly on the go. Inland marine insurance helps to financially protect the equipment you use while in transit or at an event site. Inland marine coverage can protect your business from occurrences such as:
- Damage to business property
- Vandalism to business property
- Theft of business property
An inland marine policy typically covers property that is:
- In transit
- On movable vehicles
- Stored offsite
Why Do I Need Event Planner Insurance?
Accidents can happen no matter how carefully you plan. And when things do go sideways, clients sometimes file a lawsuit. Roughy between 36% – 53% of small businesses could face a lawsuit in a given year. And lawsuits can be devastating — the average liability lawsuit costs at least $54,000. It doesn’t matter who’s at fault.
You know how to plan the best day. We know how to plan for the worst. With event planner insurance, you’ll have peace of mind, knowing that you and your business are covered if the unexpected happens.
What Does Event Planner Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Event Planner Insurance FAQs
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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business types covered
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customers worldwide
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We’ve Got More Helpful Information
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.