Event Planner Insurance For Small Businesses And Independent Coordinators
Do event planners need liability insurance?
Event Planner Liability Insurance That Covers Every Detail
Every event comes with moving parts, tight deadlines, and unpredictable challenges and every event comes with risk. At Gild, we offer event planner insurance tailored for small businesses, solopreneurs, and freelance coordinators. Whether you’re managing weddings, corporate events, or public gatherings, our plans include essential event planner liability insurance to protect you from unexpected setbacks. Curious about event planner insurance cost or the right insurance for event planners? Gild makes it simple to get covered so you can focus on creating memorable experiences, not managing risk.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Are The Key Types Of Event Planner Insurance?
Every event, planning session, and client interaction carries risk. That’s why Gild Insurance’s event planner insurance is designed to protect your work wherever it takes you. Our flexible coverage helps safeguard against liability claims, property damage, and service-related risks.
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy (BOP)– General liability insurance and business equipment coverage all in one.
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Professional Liability (E&O) Insurance – Protects against client claims of mistakes, omissions, or negligence.
- Commercial Umbrella Insurance – Provides an extra layer of liability protection beyond the limits of your primary policies, helping to prevent catastrophic financial loss from a large lawsuit.
The best way to find your event planner insurance is to get a free, online quote in minutes!
Why Do I Need Event Planner Liability Insurance?
As an event planner, protecting yourself from lawsuits and claims isn’t optional, it’s essential. Having the right event planner liability insurance ensures your business and finances stay secure.
Here’s why insurance matters:
- Protection from unexpected claims: Helps manage the financial impact of claims arising from accidents at events.
- Compliance with location liability rules: Many event locations require proof of insurance.
- Maintain professional credibility: Being insured reassures clients that you take their safety seriously and are prepared for potential disputes.
- Safeguard your personal finances: Lawsuits can be costly, insurance ensures you’re not personally liable for settlements or legal fees.
What Is The Right Kind Of Insurance For Event Planner?
At Gild Insurance, we understand the unique risks event planners face every day, that’s why we take the time to get to know your business, your clients, and the way you work, so we can recommend an insurance package that’s the best fit for you. We’ll protect you from lawsuits and claims, letting you focus on your clients and growing your business with confidence.
Frequently Asked Questions
Yes! Liability coverage is a must-have for event planners because:
- Left unprotected, you’re personally responsible if a venue guest slips, gets hurt, or damages property.
- Professional liability is vital too—errors or delays can lead to breakdown in trust or financial fallout.
- Many venues, caterers, and vendors require proof of coverage before working with you. Without it, one small mistake can lead to a lawsuit that threatens your business’s future.
Does event planner insurance cover vendor or attendee injuries?
Yes! Proper policies protect you from liabilities involving others at your events:
- General Liability covers injuries to guests—like slips, burns, or event-related damage.
- Product and Vendor Liability protects if a vendor’s service or product causes harm.
- Professional Liability helps if an attendee claims your planning triggered a financial or health-related issue.
- Workers’ Compensation covers your team members or assistants injured while working.
With Gild, you can rest easy knowing your policy covers both your team and every attendee that walks through the door.
How much does event planner insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
What types of insurance does an event planner need?
Your event planning business involves multiple moving parts and risks, so it is important to have these essential coverages:
- General Liability Insurance – covers bodily injury and property damage to third parties during events.
- Professional Liability (E & O) – protects you in case a client claims a planning mistake led to financial loss.
- Commercial Property Insurance – covers your office, supplies, and any permanent assets.
- Workers’ Compensation – required in most states if you hire employees.
- Commercial Auto Insurance – needed if you drive for deliveries or site visits.
- Cyber Liability Insurance – recommended if you store sensitive client data.
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