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Entertainment Insurance

Entertainment Insurance

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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.

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We specialize in business insurance for event services

Choose your profession for more information or get a customized quote for your business

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Customized business insurance to protect you and your clients
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How much does entertainment business insurance cost?

You can save up to 30% 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
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Take a few minutes to get an instant quote and see how much business insurance will cost.

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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.

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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. 

 

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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.

 

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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?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.