Event Planner Insurance

Event planners coordinate complex logistics involving venues, vendors, guests, and budgets. A single incident — a guest injury, vendor no-show, or venue cancellation — can trigger claims that threaten your business.

Essential Event Planner Coverages

General Liability

Covers guest injuries at events you plan, property damage to venues, and third-party claims. Most venues require proof of GL coverage before allowing your event.

Professional Liability (E&O)

Covers claims that your planning services were negligent — vendor selection errors, budget mismanagement, logistical failures, and breach of contract.

Event Cancellation Insurance

Covers financial losses when events must be cancelled or postponed due to weather, venue issues, or other covered causes.

Liquor Liability

Required if your events include alcohol service. Covers claims from intoxicated guests.

Common Event Planner Claims

Guest injured at event (slip-and-fall, crowd crush)
Vendor no-show causes financial loss to client
Event cancelled due to weather; client demands refund
Venue property damaged during event setup or teardown
Intoxicated guest causes injury or property damage
Budget overrun allegations from client

How Much Does Event Planner Insurance Cost?

Most event planners pay $500–$2,500/year for a GL + E&O package. Adding event cancellation and liquor liability increases costs to $2,000–$5,000+ depending on event size and frequency.