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 Do I Need Event Planner 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.
Below are some of the most common types of insurance policies that event planners carry to stay protected.
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
/month*
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 is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
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.
Answers to More Event Planner Insurance Coverage Questions
Whether or not you need insurance as an event planner may depend on where you live. Check with your local government to find out what’s required in your location.
For example, if you have part-time or full-time employees, you’ll likely need to carry workers’ compensation insurance.
Additionally, you may need proof of business insurance to rent office space or equipment.
You may be able to deduct your insurance premiums when filing your business’s income taxes. We recommend checking with an accountant for more information.
key questions about your business on our online quote form, we can provide insurance options for you. Our online quote tool will consider the following factors to suggest plans:
- The services you provide
- Payroll and revenue estimates
- The state you work in
- And more
Simply Business lets you quickly compare plans and purchase a policy online. The amount of coverage you’ll need will depend largely on the policy type and on other factors such as:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote form and licensed insurance agents will gather information to help you find coverage for your event planning business. If you have questions, our insurance pros are there to assist! They’re just a phone call away at 844-654-7272.
It’s helpful to have the following information on hand:
- Information on any previous insurance claims
- Your annual revenue estimates
- Your payroll information
A comprehensive solution that includes both general liability and business personal property insurance can cover:
- Third-party bodily injury
- Third-party accidents and damages
- Theft, damage, and loss of business property
- And more
It often depends on many factors, including which policies you decide to purchase. As a general rule of thumb, you can expect the cost of a policy to be determined by:
- Your revenue
- Your payroll
- Number of employees
- Your business location
- The type of services you provide
- And more
You can get business personal property coverage as an addition to your general liability (GL) insurance.
Wondering how much you’ll pay for event planner insurance? Click here to answer a few easy questions and get free quotes to compare policies.
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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Owner of Room to Breathe Professional Organizing
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We’ve Got More Helpful Information
*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.
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