Business Insurance for Public Speakers

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Public Speaker

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Why do public speakers need insurance?

An allegation that someone was harmed by your speech could have major reputational and financial consequences. Business insurance can cover the cost of hiring an attorney and paying for damages if you're sued. It can also cover injuries, property damage, and data breaches.

Public speaker with mic in front of audience.

Find affordable coverage

Motivational speakers, keynote speakers, and other public speakers can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of insurance do public speakers need?

These insurance policies cover the most common risks of public speaking.

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for public speakers to buy general liability coverage and commercial property insurance together.

BEST FOR

Audience injuries
Audience property damage
Stolen or damaged business property

General liability insurance

This policy covers common public speaking risks, such as an accident that injures someone or damages their property. It’s often required for a commercial lease.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Other third-party accidents

Professional liability insurance

This policy helps cover legal expenses if a professional speaker is sued over an unsatisfactory speech or an error. It's sometimes referred to as errors and omissions insurance (E&O).

BEST FOR

Failure to appear at a promised time
Accusations of slander
Copyright infringement

Workers’ compensation insurance

Most states require workers' comp for public speaking companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Disability benefits
Employee injury lawsuits

Commercial auto insurance

Commercial auto insurance covers financial losses when a public speaker's vehicle is involved in an accident. Most states require it for vehicles registered to a business.

BEST FOR

Property damage caused by your vehicle
Bodily injuries from an auto accident
Vehicle theft and vandalism

Cyber liability insurance

Cyber liability insurance helps public speakers recover from data breaches and cyberattacks. It's strongly recommended for any small business that stores personal information.

BEST FOR

Customer notification costs
Data breach investigations
Fraud monitoring services

Looking for different coverage? See more policies.

How much does insurance cost for professional service businesses?

Business professional in a tie calculating the cost of insurance.

A public speaker who works independently will pay less for insurance than a larger company.

Factors that affect premiums include:

Professional services offered, such as keynote addresses or inspirational speeches
Business property and equipment
Business income
Types of insurance purchased
Policy limits and deductibles

View Costs

How do I get public speaking insurance?

It's easy to get public speaking business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your public speaking business, whether you work independently or hire employees.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant