How much does special event insurance cost?

The median premium for one-day special event insurance, regardless of policy limits, is $182. Business owners pay a median premium of $250 for events lasting two to 10 days, and a median of $257 for events longer than 10 days.

Insureon’s analysis of special event insurance costs shows that industry, though not a major determinant, does have an impact on premium costs.

The graph below shows how your industry could affect what you’ll pay for special event insurance.

If you want car insurance that pays for a wide range of damage, you have to pay more for it. The same rule applies to business insurance. If you want a policy with higher coverage limits, expect to pay more than you would for basic coverage.

The most popular special event policy among Insureon customers is the $1 million / $2 million policy. This includes:

• $1 million per-occurrence limit. While the policy is active, the insurer will pay up to $1 million to cover any single claim.
• $2 million aggregate limit. During the policy’s lifetime, the insurer will pay up to $2 million to cover claims.

Insurance premiums vary based on the policies a business buys. See our small business insurance cost overview or explore costs for a specific policy.

• General liability insurance
• Professional liability insurance
• Business owner’s policy
• Errors and omissions insurance
• Workers' compensation insurance
• Cyber liability insurance
• Commercial umbrella insurance
• Commercial auto insurance
• Employment practices liability insurance
• Directors and officers insurance