What insurance does an event planner need?
Professional indemnity, public liability and cover explained.
Event PlannerInsurance
Event Planner Insurance
Professional indemnity and public liability cover built for event planners, covering the venues, vendors and on-the-day risks that come with organising events.
Professional indemnity and public liability cover built for event planners, covering the venues, vendors and on-the-day risks that come with organising events.
Planning errorsVendor failureEquipment in transit
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What is event planner insurance?
Event planner insurance is a combination of covers built around organising events for clients, professional indemnity for planning errors that cause a client a financial loss, public liability for injury or damage on the day, and employers’ liability if you have staff.
Coordinating venues, vendors and suppliers means the risk isn’t only your own work, a vendor letting a client down can still lead to a claim against you.
The right event planner cover depends on:
Scale of events you organiseWhether you attend events in personNumber of employeesLevel of professional indemnity coverAnnual turnoverWhether you handle client deposits
Is this cover right for your work?
Is this cover right for your work?
This cover suits any business planning events on behalf of clients.
This cover suits any business planning events on behalf of clients.
Wedding Planners
Coordinating one of the biggest days of a client’s life.
Corporate Event Planners
Organising conferences and company events.
Party & Celebration Planners
Birthdays, anniversaries and private parties.
Festival & Large Event Organisers
Managing large-scale public events.
Venue Coordinators
Working alongside a specific venue.
Event Planning Agencies
Teams managing multiple events at once.
What could go wrong for an event planner?
What could go wrong for an event planner?
Most event planner claims come from a vendor failing to show up, a guest injured at an event, a venue cancelling late, or a budget or planning error.
Most event planner claims come from a vendor failing to show up, a guest injured at an event, a venue cancelling late, or a budget or planning error.
How could a claim affect your business?
How could a claim affect your business?
A single event gone wrong can outweigh months of fee income. Here are four situations event planners face most often.
A single event gone wrong can outweigh months of fee income. Here are four situations event planners face most often.
Vendor Failure
A supplier lets the client down on the day.
What cover may respond?
Professional Indemnity
Guest Injury
Someone is hurt at an event you organised.
What cover may respond?
Public Liability
Planning Error
A mistake in your planning costs the client money.
What cover may respond?
Professional Indemnity
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
Who needs event planner insurance?
Event planner insurance may be suitable if you organise events on behalf of clients, whatever the scale.
This cover may be suitable if you’re:
Planning weddingsOrganising corporate eventsCoordinating parties and celebrationsWorking alongside venuesUsing multiple third-party vendorsEmploying event staffCover built around your work
Cover built around your work
Most event planners combine professional indemnity with public liability for on-the-day incidents, plus employers’ liability once they take on event staff.
Most event planners combine professional indemnity with public liability for on-the-day incidents, plus employers’ liability once they take on event staff.
Professional Indemnity
Protection if a planning error or vendor issue causes a client a financial loss.
Public Liability
Protects against costs if a guest or member of the public is injured at an event.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible laptops, documents and office equipment.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and vendor disputes.
How much does event planner insurance cost?
There’s no fixed price. It depends on the scale of events you organise, staff numbers, and your claims history.
Scale of events
Larger events carry higher public liability exposure.
Handling client deposits
Holding client funds can affect your cover needs.
Level of professional indemnity
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get event planner insurance
How to get event planner insurance
Getting event planner insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting event planner insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The scale of events you organise, and whether you have staff.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Event planner insurance guides
Event planner insurance guides
Practical advice on cover, vendors and staying protected.
Practical advice on cover, vendors and staying protected.
Event planner insurance FAQs
Event planner insurance FAQs
Straight answers on cover, vendors and cost.
Straight answers on cover, vendors and cost.
Event planner insurance is a combination of covers built around organising events for clients: professional indemnity for planning errors that cause a client a financial loss, public liability for injury or damage on the day, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.