Author: Jason Morrison | July 16, 2023
Edited by: Jason Morrison and Reviewed: Jason Morrison
Whether you are planning a wedding, a fundraiser, or any other event involving guests and rented property or items, you need to have event insurance to protect you from paying out of pocket for damages or lawsuits. The best event insurance companies provide liability and property damage coverage that can help protect you in case people are injured or property becomes damaged during your event.
| Customer Support Accessibility | Online Quotes | Event Cancellation Coverage Available | Premium cost (based on wedding event with 100 attendees) | |
| RVNA | Phone | ✔️ | Weather Insurance | ~$125 |
| Eventsured | Phone, email, or messaging via the website | ✔️ | ✔️ | ~$119 |
| Philadelphia Insurance Companies | Phone, live chat, or messaging via the website | ✔️ | ✔️ | ~$175 |
| Markel | Phone, live chat, or messaging via the website | ✔️ | ✔️ | ~176 |
| Phone or email | ❌ | ❌ | NA | |
| Phone | ✔️ | ✔️ | ~$160 | |
| WedSafe | Phone or messaging via the website | ✔️ | ✔️ | ~$175 |
| Messaging via the website | ❌ | ✔️ | NA | |
| USLI | Phone or messaging via the website | ❌ | ✔️ | NA |
We reviewed highly-rated insurance providers and chose the top event insurance companies. These nine companies provide accessible customer support, fast quotes, and policies that help protect you from lawsuits and having to pay for repair costs or medical expenses if property is damaged or someone becomes injured during your event. In some circumstances, event insurance can even cover down payments if the event is postponed or canceled.
If you are a vendor or have been looking for insurance for your event planning business, look no further. RVNA is an insurance brokerage that covers public and private events and provides specialty insurance products for event organizers and vendors alike. Vendors can find coverage designed specifically for their needs, such as customizable DJ Insurance that includes general liability, property and equipment damage, and employee crime policies. RVNA’s DJ and Event Planner Insurance also include Additional Insureds insurance, which extends your coverage to the facility hosting your event.
Pricing depends on your event and the kind of coverage you choose. Vendors tend to have lower insurance costs than event planners. For instance, a general liability premium for a DJ starts at around $15, while liability premiums for a wedding start at approximately $125.
You can fill out RVNA’s online form to get an instant quote and purchase insurance from its website or call during office hours (Monday-Friday 8:30 AM – 5:00 PM PT).
Eventsured offers liability and cancellation insurance to protect your wallet in case of an unforeseen event delay or cancellation. In some cases, it can cover deposit costs if a vendor goes out of business, or if covered circumstances reduce attendance of your event.
Pricing varies by how much coverage you need, but a general liability premium for a wedding in Florida with 100 attendees starts at $119.
You can get an instant quote and purchase insurance online by filling out information about your event type, location, and number of attendees. You can message Eventsured’s Contact Us page or call 888-882-5902 with questions.
Philadelphia Insurance Companies offers some of the best event liability insurance for large events, as its special event liability coverage starts at $1,000,000 with an aggregate limit (highest amount it will pay for losses) of $4,000,000. It can add venues to your policy as additional insureds upon request.
Premiums are as low as $175 for policies with a $0 deductible for special event liability insurance, but costs depend on your unique needs. For example, the estimated event premium for a wedding in Florida with 100 attendees and the highest coverage limit is $184.00.
You can get an instant quote and then purchase your coverage online, or call, chat, or send a message via Philadelphia Insurance Companies’ website with any questions.
If you are hosting a small event, you may not need the minimum coverage many insurance providers require. Markel offers lower liability coverage limits than many other insurance companies, making it the best small event insurance provider. Its liability limits start at $500,000, and if you won’t be serving alcohol at your event, you can exclude liquor liability coverage for more savings. Event cancellation policies start at $130, but you can get a 15% discount if you bundle event liability and event cancellation insurance.
Premiums start at $75 for event liability insurance. The premium cost for general liability insurance for a wedding in Florida with 100 guests and the lowest aggregate ($500,000) is approximately $176.
Instant quotes and insurance purchase options are available online. You can also call 1-800-236-4252, submit a message via Markel’s website, or chat with a representative during business hours (7:00 AM-7:00 PM CST).
While many venues require event planners to add them to their event insurance as additional insureds, it’s a good idea to have business insurance if you host events at your own venue.
Pricing depends on your business and the kinds of coverage you need. You can get a quote by contacting a local agent.
You can get coverage by contacting a local agent (CNA provides an agent search tool). You can also call CNA at 1-800-CNA-2000 or email CNA_help@cna.com with any questions.
Wedding insurance starts at $160, with no deductible.
You can start a quote and purchase Travelers’ Wedding Protection Plan
WedSafe provides both liability and cancellation insurance for weddings and other one-day events. Its one-day event insurance includes a $500,000 aggregate option, making it a good choice for smaller weddings that don’t need higher liability limits. WedSafe also covers rehearsals and rehearsal dinners if they occur within 48 hours of the wedding.
A premium for a wedding in Florida with 100 guests and no cancellation policy starts at around $175. WedSafe offers a 15% discount when you bundle wedding liability and cancellation insurance.
You can get a quote and purchase insurance online, or call 1-877-723-3933 during business hours (Monday-Friday 9:00 AM-8:00 PM ET) with any questions.
You must submit an online form and wait for a callback to get a quote.
You can fill out a form online, and a representative will call you back with details on how to get personalized coverage.
USLI provides special insurance for events that serve alcohol, including annual host liquor insurance that covers organizations that host multiple events that serve alcohol. It provides additional insurance products for bars, taverns, and restaurants that can help cover risks associated with entertainment, security, drink specials, or younger clientele, including assault and battery coverage.
Individualized pricing is available via an online request form.
You can request information about how to get coverage via USLI’s online request form.
We looked for insurance companies that provide accessible customer support options, affordable pricing, and multiple coverage options, including event cancellation coverage. We chose insurance providers that can cover one- and multi-day events, offer event insurance in the U.S. and internationally, and provide liquor liability coverage.
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