Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 21, 2026.
GENERAL LIABILITY
Special Event $20/month for general liability
WHY IT MATTERS
Why Special Event need business insurance
Special events bring attendees, workers, equipment, and venue property together. Business insurance may help when an accident, injury, or damage claim disrupts your plans.
SCENARIO 1
An attendee is injured
A guest slips near an event display and files an injury claim. General liability insurance may help with covered medical expenses, legal defense, and damages, subject to the policy terms.
SCENARIO 2
Venue property is damaged
Equipment damages a wall while your team sets up the event. General liability insurance may help address a covered property damage claim from the venue.
SCENARIO 3
An employee gets hurt
An employee is injured while moving supplies for an event. Workers' compensation insurance may respond to a covered workplace injury, subject to policy terms and state requirements.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Event activities
Activities with greater chances of injury or property damage can increase the rate or affect eligibility.
Expected attendance
Larger crowds create more opportunities for attendee claims, which can lead to a higher rate.
Event schedule
Longer events or a schedule with repeated events can increase exposure and affect the rate.
Employees and payroll
A larger workforce or higher payroll can increase the rate for workers' compensation insurance.
Claims history
Prior claims can affect how a carrier evaluates the business and may lead to a higher rate.
Coverage selections
Broader coverage and higher limits generally increase the rate, while contract requirements may determine which limits you need.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, even when the event operations are otherwise similar.
State requirements
Workers' compensation requirements and other insurance rules vary by state, so the location of the work can affect coverage needs.
Venue and client contracts
Venues and clients may set their own coverage and certificate requirements, which can affect the policy and limits selected.
Carrier eligibility
Carriers may evaluate event types, activities, and locations differently, affecting eligibility and the rate offered.
404
Quotes analyzed
48
States represented
2
Coverage lines
BEST RATE
How to get the best rate
Describe every activity
Give a clear account of the event schedule, expected attendance, setup work, equipment, and any higher-risk activities.
Document safety measures
Keep written plans for crowd flow, equipment setup, emergency response, and incident reporting.
Prepare workforce details
Organize employee duties, payroll information, and contractor details before requesting coverage.
Review contracts first
Check venue and client agreements so the requested coverage and limits match your actual obligations.
FAQ
Common questions
What coverage might a special event business need?
General liability insurance and workers' compensation insurance may be relevant. The right coverage depends on your activities, workforce, contracts, and the policy terms.
Does general liability insurance cover attendee injuries?
General liability insurance may cover an attendee's bodily injury claim. Coverage depends on what happened, any exclusions, and the terms and limits of the policy.
Does general liability insurance cover damage to a venue?
General liability insurance may cover accidental damage to venue property caused by your operations. Review the policy because exclusions, deductibles, and contract terms can affect the claim.
Does a special event business need workers' compensation insurance?
It depends on the workforce and the states where employees work. Requirements vary by state, and contracts may also call for this coverage.
What information should I prepare for a quote?
Prepare the event dates, venue details, expected attendance, planned activities, equipment, employee duties, payroll, claims history, and contract requirements. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.