Event Planner Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Event planner insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the event planner insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Professional liability (E&O)
Commercial auto
Workers’ compensation
Commercial property

Get insurance tailored to your business

We offer event planner insurance for all types of providers, such as:

Event coordinator

Event organizer firms

Party planner

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for event planners and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of event planning accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by event venues.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance for event organizers(also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of booking a caterer that can’t accommodate a client’s dietary needs, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage while you drive for business reasons, including travel to different event locations.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

thank you for making the

thank you for making the sign up so easy

Jaja C.

Great job and kind.

Tim S.

Super fast great insurance service

I got insured in minutes, and they offer easy access to custom certificates. I loved the speed and process. It's easy and affordable. I recommend it to anyone with a business who n...

iliany b.

Great price, quick and easy.

Great price, quick and easy. Exactly what I needed.

Giselle R.

Great service and quick turnaround time

The process was quick and easy. It was very easy to obtain a COI for and additional insured. I was referred by another customer. I will definitely recommend to others. Very afforda...

NeoDasha H.

Easy to access!

Next was super easy to navigate and set up an insurance plan with for my small business.

Lauren J.

Thank You

FAST AND EASY AND GREAT PRICE

JORGE G.

Liability Insurance

Excellent coverage and service from your broker.

Mark W.

Great service!

Great customer support and an easy sign up process. And their prices are competitive.

Maureen T.

Super quick to obtain insurance

Super quick to obtain insurance and easy to use!

Cynthia C.

You can save up to 25% in discounts on event planner insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does event planner insurance cost?

Event planner insurance costs vary based on the risks that your business faces, such as:

The types of events you plan
Where your venues are located
If you have any employees
The type of vehicles you use for work

Everything you want to know about Insurance

Event planner insurance requirements

Event planners and coordinators are almost always required to have insurance due to the risk of injury to clients and damage to venue property. You might need event planning insurance coverage to:

Get new clients. Event venues might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about customized event planner insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect event planners?

Our tailored business insurance for event planners is designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

One of your subcontractors accidentally cracks a large window at an event space. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips and falls on the front steps when arriving at your office. Your general event planner liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims they had to pay extra catering fees because you added incorrect information to the service agreement. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You throw out your lower back while helping to set up tables for a party and you have to take off two weeks during peak season to recover. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your car slides on a slippery road and hits a parked car. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A tree falls over and damages the roof of your office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.