7 Best Event Insurance Companies in 2023

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In this article you will know about 7 best event insurance companies in United States of America. Weddings, family reunions, and holiday gatherings provide some of the most unforgettable occasions in our lives. While it’s easy to get caught up in the thrill of event planning, every host should be mindful of the hazards that might make your big day unforgettable in all the wrong ways.

Best Event Insurance Companies
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Not everyone recognizes the extent of their responsibilities if someone is injured or property is damaged at an event they host. In reality, 42 states have passed rules allowing party hosts to be sued if a visitor drives under the influence and causes an accident.

Most venues require you to get event insurance that covers a minimum level of liability to limit this risk.

Even if event insurance isn’t necessary for your forthcoming gathering, the inexpensive cost of an insurance policy may be worth it to safeguard your assets from prospective litigation. Fortunately, there are many excellent event insurers to select from, each offering inexpensive coverage tailored to the size and scope of any gathering. We evaluated more than 15 of the most well-known event insurance providers and selected the 7 best event insurance companies based on price, coverage, and service.

The 7 Best Event Insurance Companies of 2023



Whether you’re planning a small private gathering or a large public event, RVNA has you covered with the best price and flexible conditions, earning our recommendation for the best overall.

It’s uncommon to find an insurance who provides equally excellent coverage for events of all sizes, but RVNA does just that. These flexible policies begin at $50 and cover liquor liability. Twenty separate riders provide additional production coverage.

RVNA distinguishes itself from the competitors in numerous ways. Terrorism, which is typically not covered by event insurers, is included in the company’s basic policy. In addition, RVNA is the only event insurance company we found that allows hosts to terminate their liability policy. Full refunds are given if cancellation is made in writing at least 48 hours before the event.

RVNA has extremely few disadvantages. Changes to policies can be made using the online policy management system. Property damage claims necessitate a $2,500 deductible, which is fairly expensive in the industry.


  • Liability insurance coverage start at $50.
  • There is coverage provided for both minor and huge events.
  • Online quotations are available immediately.
  • Customize production policies with over 20 different types of coverage.
  • Cancellation of policies is permitted up to 48 hours before the event.


Only phone claims

  • Property damage claims have a $2,500 deductible.



With Eventsured’s simple online quote tool, you can obtain liability coverage for over 500 different types of events in minutes. It is the quickest way to obtain event insurance.

Why wait days for policy documents when Eventsured can provide them in minutes? Private and corporate event hosts can utilize Eventsured to buy coverage for a variety of events without having to go through a lengthy underwriting process. Simply fill out the online application, and your insurance paperwork will be delivered to your email inbox within minutes. Even up until the day before your event, the company will provide you with a general liability policy.

Of course, there are certain limitations. Regardless of whether you intend to serve alcohol at your event, Eventsured mandates you to acquire host liquor liability coverage, which is included in every policy premium.


  • Over 500 different event kinds are covered.
  • Policy materials are released in minutes.
  • All 50 states have it.
  • There is no deductible for any claims.
  • Paperless claim submission


  • Regardless of alcohol use, host liquor responsibility is necessary.
  • Eventsured does not underwrite policies.

Philadelphia Insurance Companies

Philadelphia Insurance Companies

All Philadelphia Insurance Companies products include special event liability insurance up to $3 million, providing the ideal choice for hosts with high coverage needs.

Philadelphia Insurance Companies’ standard event insurance covers aggregate liability limits of $3 million, which is multiple times what competitors offer, making it the best for high limits in our assessment. If that isn’t enough, hosts with high-value assets can get further security by adding umbrella coverage to their event plans. While the underwriting procedure may be longer, there appears to be no limit to the number of participants; we were able to acquire online quotations for a million or more event attendees.

Although Philadelphia Insurance Companies is an excellent choice for large events, the minimum liability limit of $3 million may be excessive for private parties. The most affordable premiums start at $175 for liability coverage, which is roughly twice what you may pay for a more reasonable level for smaller events.

While Philadelphia Insurance Companies insures hundreds of different events, there are a few that are not covered. High-risk sports events, live animal attractions, specialized concert genres, and amusement-style rides are examples.


  • The standard policy begins with $3 million in aggregate liability insurance, with additional coverage available.
  • Maximum event cancellation coverage is $175,000
  • There is no deductible for liability claims.
  • It is possible to combine this insurance with umbrella, abuse and molestation, inland marine, and hired and non-owned vehicle insurance.


  • There are no low-cost options.
  • Military deployment is not included.
  • Events that last past midnight necessitate two-day coverage.
  • A long list of events are excluded.


Markel’s low-cost event policies feature savings for combining coverage and free information resources, making them the best value available.

Many event insurance companies demand hosts to pay for a minimum of $1 million in liability coverage, although this sum may be excessive for smaller gatherings. Markel was chosen as the best value in our review since it sells event insurance with liability limits starting at $500,000 for only $75, saving you money by not overpaying for coverage. By combining an event liability policy with an event cancellation policy, you can save an additional 15%.

Cancellation plans are available in all 50 states, and U.S. residents can purchase them for events in Canada, the United Kingdom, Mexico, and numerous Caribbean islands. Liability coverage is also available for cruise ship events departing from US ports. One disadvantage is that event hosts must pay a $1,000 deductible for property damage claims, but the deductible for cancellation plans is substantially lower at $25.

Pages of free tools will guide hosts through the party planning process, from calculating a budget to making your event eco-friendly. There are even questions to ask providers like caterers and florists to ensure you get the most out of their services.


  • Event liability insurance costs as little as $75 for coverage of up to $500,000.
  • When purchasing liability and cancellation policies together, a 15% discount is available.
  • For cancellation policy claims, the deductible is only $25.
  • Free wedding planning resources are available.
  • Cancellation insurance is provided in the United States and a number of other locations, including cruises.


  • International destinations are not covered by liability insurance.
  • Loss of cash gifts is limited to $300.
  • A $1,000 deductible applies to property damage claims.



Travelers staff will not only answer your phone 24 hours a day, but this event insurer also has the greatest customer service of any provider we researched.

Everyone has different priorities when it comes to customer service; some want digital convenience, while others prefer the customized attention of an agent. Travelers provides the best of both worlds with event insurance that can be purchased online in minutes or through a local insurance specialist. During business hours, representatives are available via web chat, and the Travelers consumer advocate line is available 24 hours a day, seven days a week.

Travelers insurance are built on a core coverage plan that starts at $160 for coverage up to $250,000. Coverage includes cancellation, photos, lost deposits, and theft or damage to valuables such as presents, clothes, and jewelry. Optional event liability insurance is offered for a minimum of $165 for $1 million in coverage, but it cannot be purchased separately.

Remember that Travelers event insurance is intended for private invitation-only events such as weddings, family reunions, and holiday parties. Corporate parties and ticketed fundraisers are not covered by the firm.


  • Phone, email, and web chat support are all available.
  • The main phone line is staffed 24 hours a day.
  • Online quotations and policy administration
  • Purchase online or through an agency


  • Only a few sorts of occurrences are covered.
  • Does not provide stand-alone liability coverage.
  • Alaska, Hawaii, and Louisiana are not available.



Most event insurers offer wedding insurance, but WedSafe provides the most specialized coverage specifically for people planning their wedding.

With liability and cancellation coverage for both outdoor ceremonies and tropical destination nuptials, it’s easy to see why wedding sites like The Knot and WeddingWire suggest WedSafe.

Nationwide underwrites policies, with coverage starting at $500,000 in general liability insurance. Coverage is available in all 50 states, as well as the United Kingdom, Canada, Mexico, and several Caribbean countries, though you must be a U.S. resident regardless of where your wedding takes place.

Because wedding plans might change at any time, WedSafe’s policies are adaptable enough to handle last-minute changes. Cancellation coverage can be acquired as early as 15 days before the event, but if you do need to cancel, you must provide a valid explanation (such as severe weather or illness). The policy does not cover lost deposits simply because someone gets cold feet.


  • Covers weddings in the United States as well as a number of overseas locales.
  • Relationships with thousands of locations already in place
  • Cancellation insurance is available up to 15 days before the event.
  • There is no deductible for bodily injury claims.
  • Up to 48 hours before the wedding, the rehearsal and rehearsal dinner are covered.


  • Property damage claims have a $1,000 deductible.
  • Cancellation due to a change of heart is not covered.
  • Some activities are prohibited, including the use of live animals and the use of fireworks.



From conferences to company retreats, USLI covers corporate events that other insurers refuse to cover and is our top option for corporate event plans.

Obtaining insurance for a wedding or private party is simple, but corporate hosts may require specific policies from insurers such as USLI to ensure adequate event coverage. Whether your firm is planning a huge trade fair, a charity fundraiser, or an employee gathering, USLI’s event insurance coverage can be customized to meet your specific requirements. There will be coverage for up to 20,000 participants.

USLI also provides several distinct sorts of supplementary coverage that may be particularly appealing to corporate hosts. Prize indemnity insurance, for example, can be acquired for charity golf tournaments up to a $50,000 limit per hole, with the insurer even donating an additional 20% of the prize value to the charity winner.

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Related Questions

What Is Event Insurance?

Event insurance is a broad category of insurance that includes a variety of coverage options meant to protect event hosts. General liability insurance is the most prevalent sort of event insurance, and it covers lawsuits stemming from bodily injury or property damage caused by your event. Many policies also include host liquor liability coverage, which protects you if a guest is overserved and suffers bodily harm or property damage. Another popular type of event insurance is cancellation coverage, which assists in recouping lost deposits and other costs if a large event, such as a wedding, must be canceled due to circumstances beyond your control.

Why Should I Get Event Insurance?

Most venues demand event insurance, so you may not have a choice if you’re renting a place for the day. Even if event insurance isn’t needed, you should think about it if you’re hosting the event at your home. While many homeowners insurance policies contain some liability coverage, the levels are often insufficient for big gatherings. Before arranging an event, check with your home insurer to discover what is and isn’t covered and to identify locations that may require extra insurance.

How Do I Get a Certificate of Insurance for an Event?

If your venue requires event insurance, they will most likely request a certificate of insurance (COI) as proof that you have adequate coverage. Many insurers now allow you to buy event insurance online and get your COI electronically within minutes. However, if you’re arranging an event with a high number of guests or particularly unique coverage requirements, the underwriting process may take a few days. If that is the case, the company should send you a COI as soon as the policy is issued.

What Does Event Insurance Cost?

According to the firms we researched, event insurance typically starts about $50, but your price may vary depending on the location of the event, the number of visitors, if alcohol is provided, and the types of coverage offered. When shopping for event insurance, acquire numerous quotes and compare not only the prices but also the exclusions specified in each policy.

How We Chose the Best Event Insurance Companies?

Our event insurance review included more than 15 of the most popular companies for event hosts. We compared prices by analyzing the types of coverage that each insurance provides. We also looked into each company’s customer service, such as how easy it is to get a quote and buy coverage, what contact methods are available, and if clients can access their policy documents and certificate of insurance online.

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