Event type
The kind of event you’re planning impacts your event insurance cost. The riskier the event, the higher the cost. No surprise there.
The event location
Where you host the event can affect the cost. This includes the city and state of the event as well as the physical venue, like a reception hall or hotel conference center.
How many people will be there
The number of guests you invite will influence your insurance cost. Thimble will usually cover events with up to 1,000 people for most event types, but there are some limitations. For example, some sporting events are capped at 250.
How long you need coverage
We’ll generally cover you for events that last up to five days, like a multi-day festival or a wedding that includes great-aunts and cousins from abroad.
Whether or not you are in the business of selling alcohol
Hosting an event that’s BYOB? Liquor liability insurance is included in the cost of your policy. But if you’re in the business of selling alcohol, you’ll need to pay for additional liquor liability coverage.
Event insurance FAQs
What’s the difference between Event Planner Insurance and event insurance?
While event insurance covers property damage and bodily injury to others (such as guests), Event Planner Insurance protects the event service provider from financial loss. As an event planner, you will need both Event Planner Insurance and Event Insurance for the big day.
What types of gatherings does event insurance cover?
Thimble Event Insurance covers a wide variety of events, including birthday parties, weddings, festivals, sporting events, conferences, art shows, banquets, proms/dances, and tradeshows. Click “Get a Quote” today to see if you’re eligible.
How much does event insurance cost for a wedding?
Like any other event, event insurance cost for a wedding will depend on factors such as the location of the event, the number of guests who will be attending, and whether you’re selling alcohol. Give us a call or click “get a quote,” and we’ll ask a few simple questions to give you a customized quote.
Do I need event insurance if I’m a vendor or performer at an event?
Event insurance won’t cover hired performers or vendors like caterers, florists, or sound technicians. Vendors and entertainers must get their own general liability insurance and should list the event organizers as Additional Insureds.
How do I get coverage for the equipment I bring to events?
If you need to bring special equipment to your event, you should look into business equipment protection, which covers your equipment from loss and theft.
Does event insurance cover canceled events?
Event insurance doesn’t cover canceled events. If you need to cancel your event, your insurance policy won’t reimburse you for entertainer deposits, venue rental costs, or vendor payments.