Whether you’re planning weddings, corporate events, galas, or private celebrations, you work hard behind the scenes to bring every detail together. Protect your business and financial well-being with flexible event planner insurance designed to help you handle the unexpected with confidence.
Event planner insurance is coverage designed to protect you financially and legally from the common risks you face as an event planner. It typically includes:
The reality is that a single accident, claim, or equipment loss could cost far more than what you’d pay for event planner insurance in a year. With the right coverage in place, you can spend less time worrying about unexpected setbacks and more time focusing on what matters: planning great events and growing your business.
Event planners and coordinators of all kinds can benefit from insurance. Berxi offers general liability and business personal property coverage for:
Event planner insurance isn’t just about protecting yourself either: clients and venues often require proof of general liability coverage before they’ll book work with event planners. Having insurance shows that you’re professional, prepared, and ready to handle the risks that come with event planning.
Berxi’s general liability insurance for event planners starts at just $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, event planners who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for event planner insurance is to get a quote.
General liability insurance is one of the most important types of insurance for event planners. General liability coverage provides essential financial and legal protection if someone claims that you accidentally caused an injury or damaged their property while planning or coordinating an event.
In addition, it’s smart to carry business personal property (BPP) insurance to protect your laptops, office equipment, decor, signage, and other business assets if they’re damaged. You can add optional BPP coverage to your Berxi general liability insurance policy.
General liability insurance helps cover claims of third-party bodily injury and property damage related to your work as an event planner, as well as personal and advertising injury claims, including things like libel, slander, and copyright infringement in your marketing materials.
Your general liability insurance can help pay medical bills if someone gets hurt, repair or replace damaged property, and cover legal defense costs and damages if you’re sued.
Examples include:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy to help repair or replace business equipment if it’s damaged.
This can include items such as laptops, tablets, printers, signage, event decor, trade show displays, office furniture, and other tools you rely on to manage and coordinate events. BPP coverage can help you recover from unexpected setbacks and get back to business sooner.
Examples include:
Berxi’s event planner liability insurance policies are built with you and your business in mind. Key benefits include:
If a guest is injured at an event — for instance, by tripping over a temporary extension cord, decorations, or signage that you set up — your general liability policy can help cover their medical bills and pay for any related legal costs and damages.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If you are sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs you may be required to pay.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your event planning business will be protected from general liability claims resulting from employee action. For instance, if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional add-on, which can help pay for damage or loss of your equipment, computers, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can choose to add workers’ compensation and cyber liability coverage from one of our trusted partners by speaking with our in-house customer support team.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your event planning business. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to download your certificate of insurance, update your information, or file claims — right from your phone or computer.
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Both general liability insurance and errors and omissions (E&O) insurance can be valuable for event planners because they protect against different types of risks.
General liability insurance helps cover third-party bodily injury, property damage, and certain personal and advertising injury claims. For example, it may help if a guest is injured at an event or if venue property is accidentally damaged during setup.
Errors and omissions insurance, also known as professional liability insurance, helps protect you if a client claims that a mistake, oversight, missed deadline, or other professional error caused them financial harm. For example, E&O coverage may help if you accidentally fail to book a contracted vendor or miss an important event detail that leads to financial losses for your client.
Having both coverages can help provide more complete protection for the day-to-day and professional risks that come with running an event planning business.
The amount of coverage you need depends on factors such as the types of events you plan, the size of those events, where they’re held, and any insurance requirements from venues, clients, or vendors. Many event planners choose limits of $1 million per occurrence and $2 million aggregate, but your ideal coverage may vary based on your specific operations and risk exposure. Berxi offers flexible coverage limits, starting at $100,000 per occurrence/$200,000 aggregate and going all the way up to $1 million per occurrence/$5 million aggregate.
General liability insurance for event planners does not cover vendor or supplier failures. For that, you’ll need errors and omissions insurance, which can cover financial losses if a client sues you because of a vendor mistake you made. This includes negligent vendor oversight, recommending a bankrupt vendor, booking the wrong supplier, or coordination errors that cause delays.
Even if event planning is just your side business or an occasional gig, you can still face the same risks as a full-time event planner. A single accident, injury claim, or equipment loss could be costly, which is why many part-time event planners and coordinators choose to carry insurance for added peace of mind. Plus, with Berxi event planner insurance starting at just $29/month, the cost of comprehensive protection is minimal compared to a lawsuit or claim.
Yes, general liability insurance can still provide valuable protection for event planners who organize virtual or hybrid events. While the risk of bodily injury or property damage may be lower than at an in-person event, you could still face claims related to personal and advertising injury. For example, if someone alleges that your marketing materials infringed on a copyright or that content you published harmed their reputation, your Berxi general liability policy may help cover the associated costs.
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