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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.
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 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?
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
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.
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