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Edited by: Kimberlee Leonard
 and Reviewed: Kimberlee Leonard

The 9 Best Event Insurance Companies in 2023

Author: | Sep 21, 2023

Editorial Note: We earn a commission from partner links on Go Sifter Advisor. Commissions do not affect our editors’ opinions or evaluations.

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. 

  • RVNA: Best for Vendors and Event Planning Businesses
  • Eventsured: Best for Event Cancellation Insurance
  • Philadelphia Insurance Companies: Best for Large Events
  • Markel: Best for Small Events
  • CNA: Best for Venues
  • Travelers: Best for Large Weddings
  • WedSafe: Best for Small Weddings
  • Gallagher: Best for Commercial Property Insurance
  • USLI: Best for Events That Serve Alcohol
Customer Support AccessibilityOnline QuotesEvent Cancellation Coverage AvailablePremium cost (based on wedding event with 100 attendees)
RVNAPhone✔️Weather Insurance~$125
EventsuredPhone, email, or messaging via the website✔️✔️~$119
Philadelphia Insurance CompaniesPhone, live chat, or messaging via the website✔️✔️~$175
MarkelPhone, live chat, or messaging via the website✔️✔️~176
CNAPhone or emailNA
TravelersPhone✔️✔️~$160
WedSafePhone or messaging via the website✔️✔️~$175
GallagherMessaging via the website✔️NA
USLIPhone or messaging via the website✔️NA

9 Best Event Insurance Companies:

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. 

RVNA: Best for Vendors and Event Planning Businesses

Benefits

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.

Pros

  • Free Additional Insureds coverage for DJs and event planners
  • Annual or single-event insurance is available
  • Weather Insurance helps protect your revenue in case an event is affected by inclement weather

Cons

  • Customer service is not available on the weekend

Pricing

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. 

How to Get Coverage

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: Best for Event Cancellation Insurance

Benefits

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. 

Pros

  • Different types of event insurance for hundreds of different events
  • Customized pricing available 
  • $0 deductible

Cons

  • No coverage for overnight events

Pricing

Pricing varies by how much coverage you need, but a general liability premium for a wedding in Florida with 100 attendees starts at $119.

How to Get Coverage

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: Best for Large Events

Benefits

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.

Pros

  • 97% claims satisfaction rating
  • Participant accident, weather, and event cancellation policies can be added to your special event coverage
  • Host liquor liability insurance provides coverage for bodily injury or property damage that may occur as a result of serving alcohol to event attendees (not available if your business manufactures, sells, or distributes alcohol)

Cons

  • Live chat is unavailable outside of business hours (8:30 AM-8:00 PM ET Monday-Friday); the chatbot may direct you to contact a local insurance agent

Pricing

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.

How to Get Coverage

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. 

Markel: Best for Small Events

Benefits

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. 

Pros

  • Can add cancellation or postponement coverage to your policy (coverage starts at $7,500)
  • Markel’s event cancellation policy may cover the cost of hair, makeup, and nails if an event is canceled
  • Gifts that are lost or damaged between seven days before and seven days after the event are covered

Cons

  • No coverage for events that include animals, firearms, or bounce houses

Pricing

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.

How to Get Coverage

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).

CNA: Best for Venues

Benefits

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. CNA provides a full range of business insurance options, including commercial general liability, property–which can help protect your business in case a guest injures themself or damages your property–and umbrella coverage, which extends your liability limits. 

Pros

  • Business Owners Policy (BOP) bundles property and liability insurance
  • Over 300 endorsements (customized coverage options) are available
  • CNA Paramount is CNA’s commercial protection package and includes property, crime, and umbrella coverage, as well as general liability extension endorsements

Cons

  • No special event insurance specifically for event planners

Pricing

Pricing depends on your business and the kinds of coverage you need. You can get a quote by contacting a local agent.

How to Get Coverage

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 [email protected] with any questions. 

Travelers: Best for Large Weddings

Benefits

Travelers offers insurance designed specifically for weddings and helps to cover non-refundable deposits in case your wedding is postponed or canceled due to covered circumstances. It also provides protection if vendors don’t show up, or if wedding attire, food, or gifts are damaged. Travelers’ Wedding Protector Plan includes bodily injury, property damage, and personal injury to third parties, and you can add venues as additional insureds to your policy for no extra cost. 

Pros

  • 24/7 customer support
  • Ability to purchase wedding insurance up to 24 hours before the event
  • International wedding coverage is available in certain locations, including cruise ships leaving from approved locations

Cons

  • Wedding Protector Plan not available in Alaska, Hawaii, or Louisiana

Pricing

Wedding insurance starts at $160, with no deductible.

How to Get Coverage

You can start a quote and purchase Travelers’ Wedding Protection Plan online or call 1-888-342-5977 to get a quote.

WedSafe: Best for Small Weddings

Benefits

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. 

Pros

  • Wedding cancellation covers the cost of photographs, attire, jewelry, and professional counseling
  • Ability to purchase insurance up to the day of your wedding
  • Provides coverage for 24 hours before and after the event to provide time for set-up and tear-down

Cons

  • Cancellation coverage is not available for all events

Pricing

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. 

How to Get Coverage

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. 

Gallagher: Best for Commercial Property Insurance

Benefits

Gallagher is a full-service insurance broker that offers a range of insurance products that can help provide protection for events that you hold on your commercial property. Its property coverage can be purchased on its own or as part of a small business insurance package. 

Pros

  • Property appraisal and catastrophe modeling services are available 
  • Property insurance covers the building and its contents
  • Gallagher’s risk management team analyzes your business to find and fill coverage gaps

Cons

  • No specialized event coverage

Pricing

You must submit an online form and wait for a callback to get a quote. 

How to Get Coverage

You can fill out a form online, and a representative will call you back with details on how to get personalized coverage. 

USLI: Best for Events That Serve Alcohol

Benefits

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.

Pros

  • One-day, multi-day, and annual coverage
  • Covers events with up to 20,000 attendees
  • Wedding Plus policy covers one-day events with less than 500 attendees

Cons

  • No upfront pricing

Pricing

Individualized pricing is available via an online request form

How to Get Coverage

You can request information about how to get coverage via USLI’s online request form. 

Methodology

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.

FAQs

What type of insurance do I need for an event?

The best event insurance is tailored to your specific needs and depends on whether you are hosting the event or attending as a vendor. General liability insurance is the most popular event insurance, while cancellation insurance can help cover costs associated with postponed or canceled events.

What is covered under event insurance?

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