Customized insurance for entertainment and events businesses
NEXT Insurance is a one-stop shop for entertainment and event business insurance. We provide easy and affordable coverage to protect your business so you can focus on delivering an amazing experience for your clients.
Oh, and you’ll save up to 10% when you bundle two or more of our policies.
We specialize in business insurance for event services
Choose your profession for more information or get a customized quote for your business
Why do event planners need business insurance?
Events don’t always go as planned and the many moving parts needed to pull off a successful party increase the possibility of something going wrong. Large groups of people increase the risk of a guest tripping over the cord needed for your turntable or for someone to complain that the catering caused them food poisoning.
Having the right types of insurance for your entertainment business means that you don’t have to pay entirely out of pocket after an accident or to defend your business.
Liability insurance for entertainment businesses
Entertainment liability insurance can help cover costs if a guest trips over the gift table and breaks a wrist of if you’re accused of damaging speakers at a club.
We combine two types of liability insurance in our business insurance packages:
General liability is the insurance that most business owners buy first to cover some of the most common accidents when you work with clients — property damage and injuries to non-employees.
For example, you’ll have financial help if you’re a wedding planner and a venue owner accuses you of damaging their property.
Professional liability provides financial protection if you accidentally double-book a venue and your clients have to pay for a new location. No matter if it was your fault or not, you could have to pay to defend your business if they take legal action. Professional liability coverage will cover legal expenses or to amend the mistake.
How much does entertainment business insurance cost?
You can save up to 25% in discounts when you buy construction insurance with NEXT. The exact amount you pay will depend on:
- The types of party planning or event services you offer
- The kind of venue or office you work in
- If you have any employees and the kinds of work they do
- The number and types of vehicles you drive for work
Other important business insurance coverage for entertainers
Liability insurance is a must-have for entertainment and events businesses buy may want to add other types of coverage to your business insurance package.
We typically recommend:
Workers’ Compensation for event planners
Workers’ compensation is required in most states. If you have employees, it covers some medical bills if they get hurt or sick on the job and it can pay for some lost wages.
Many business owners without employees also buy this coverage so they are protected from workplace accidents. If you break your leg at an event while working, your medical bills might not be covered by your personal health insurance and you won’t have any wage reimbursement.
Learn more about workers’ comp.
Commercial Auto insurance for entertainment businesses
Commercial auto insurance is legally required in most states if you own a car or truck that’s titled to your business. Many personal auto policies won’t cover an accident if it happens while you are driving for work, including delivering gear or supplies to an event location.
Learn more about commercial auto.
Customer reviews
I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.
Frequently asked questions about entertainment insurance
What do I need to get an insurance quote online for my business?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for entertainment insurance, we’ll ask you a few basic questions about your business, including:
- The kind of photography or entertainment services you offer
- The number of people you employ and how much you pay them
- The number and type of vehicles you use for work
- The locations where you plan to work
Can I add an additional insured to my entertainer insurance?
Yes. We know this is a common need for entertainment to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free. If your client needs special language on the certificate or other forms (called endorsements), please send a sample certificate to support@nextinsurance.com and an agent will be happy to review those requirements with you. Learn more about additional insureds.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
Need a fast certificate of insurance?
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.