Event Planner Insurance Cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the event planner insurance cost tool
- Under “Coverage”, choose a row from the published table: general liability, business owner’s policy (BOP), professional liability, workers’ compensation, commercial auto or cyber (professional services).
- Read the published figure per month and per year. Where the source states limits, they are shown with it. For example, general liability is listed as $1M per occurrence / $2M aggregate.
- Type your quote into “Your quote (optional)” and set “Quote is per” to month or year to match how the quote is written.
- Read “Your quote against it”. A $40 monthly quote, for example, is 37.1% above the $29 general liability median.
- Open “More options” and tick “Add to budget” for each coverage you want counted. General liability and professional liability are ticked at the start, which gives $850 a year.
- In “More options”, type “Annual revenue (optional)” and “Employees (optional)” to see the budget as a share of revenue and per employee.
Treat every result as an estimate only. A sum of separate medians is not the price of a bundle.
Everything on the page updates as you type, and the address bar keeps your settings, so you can copy the link or print the result. If a quote is in a different period from the figure, switch “Quote is per” before reading the gap. To compare another coverage against the same quote, choose a different row in “Coverage” and read the new gap.
What does the published event planner insurance cost figure mean?
Each figure is a median from Insureon’s event planner cost page, updated 18 April 2025. Insureon says the figures are sourced from the median cost of policies for event planners who apply for quotes with Insureon, and that a median excludes outlier high and low premiums. The same page also calls them averages, so the page uses both words for the same numbers. A median is the middle value: half of the policies in the group cost more and half cost less.
What limits and deductibles go with each figure?
The source states limits for three rows. General liability is $1M per occurrence / $2M aggregate. The BOP is $1M per occurrence / $2M aggregate with a $500 deductible. Professional liability is $1M per occurrence / $1M aggregate with a $1,000 deductible. Workers’ compensation ($50 a month, $597 a year) and commercial auto ($38 a month, $456 a year) have no limits stated. The cyber row ($123 a month, $1,480 a year) is a figure for professional services businesses, a group that includes event planners, not for event planners alone.
What affects event planner insurance cost?
For all policies, Insureon lists the types of events planned, the value of business property, annual revenue, the number of employees, and the limits and deductibles chosen. It adds that special event, event cancellation and liquor liability coverage raise premiums, and it publishes no price for them, so this page shows none either. The tool only compares amounts you type with the published ones. It does not work out how each factor changes a price.
Why is a total of coverages not a bundle price?
Each row describes one coverage on its own. When you tick several rows in “More options”, the total is a budget sum of separate medians, not the price of a combined policy. Ask a licensed insurer or agent for the cost of a package.
What do the revenue and employee boxes do?
They turn the budget into two ratios. With the two coverages ticked at the start ($850 a year) and an annual revenue of $100,000, the budget is 0.9% of revenue. With 2 employees it is $425 a year per employee. The ratios use only the amounts and numbers you type, so they describe your own situation, not a published benchmark.
Sources (checked 19 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $71 a month, $850 a year |
| General liability, quote $40 per month | Your quote of $40 a month ($480 a year) is 37.1% above the published median of $29 a month. |
| Business owner's policy (BOP), revenue $120,000 | 2 coverage(s) added up from the published medians: $71 a month, $850 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $71 a month, $850 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
How much does event planner insurance cost?
Insureon’s published medians are $29 a month for general liability, $42 for a BOP, $42 for professional liability, $50 for workers’ compensation, $38 for commercial auto and $123 for cyber. Your own price depends on the insurer, the events you plan, your revenue and the limits you choose.
Is my quote high or low?
The tool gives the gap as a percentage against the published median, for example 37.1% above for a $40 monthly general liability quote. It does not say whether a quote is good or bad for your business, because limits and deductibles differ.
Why are these figures from 2025?
The source page says it was updated on 18 April 2025. This page shows exactly what that page published and says so, rather than adjusting the numbers.
Does the tool give quotes or share my details?
No. It does arithmetic on published figures and on what you type, in your browser. It asks for no contact details and does not send anything anywhere.
How are monthly and yearly figures shown?
Insureon publishes both for every row, and the table shows both as published. A quote typed per month is multiplied by 12 before it is compared with the yearly median.
Other published-cost pages for businesses and trades:
- Insurance cost by trade - every trade page in one list.
- General liability insurance cost - the liability figures that most event contracts ask for.
- Errors and omissions insurance cost - the professional liability side.
- BOP insurance cost - published figures for a business owner’s policy.
- Workers comp insurance cost - published workers’ compensation figures.
- Photographer insurance cost - a similar service trade.
- Cyber liability insurance cost - the cyber row in more detail.