Are you thinking about opting for event insurance for your wedding, concert, or business event in 2025? Considering the rising costs and unpredictable conditions, event insurance becomes essential for you. With that, you are safeguarded in case of a situation where the event must be canceled, you meet an accident, and your property suffers the damage.
The event industry is an expanding business, but it of course comes with its own set of perils as well. From the devastation caused by bad weather, guest injuries courtesy of accidents to the unannounced absence of the vendor—everything could be a cause of the event to turn into a nightmare. Hence, having the perfect insurance cover becomes a major factor in the event of a smooth and carefree event.
If you are in the wedding, photography, entertainment, or event planning industry, this guide is for you. Below is a list of the Top 10 Special Event Insurance Companies for 2025. At the same time, if you are looking for some budget options, take a look at our post on the Best Cheap Event Insurance in California.
What is Special Event Insurance?
Special event insurance is a form of temporary insurance that helps you when there is a problem that you did not expect in events such as weddings, parties, concerts, or business meetings. It covers things like event cancellations, property damage, or injuries that happen at the venue.
So if a big rainstorm is reason enough for the event to be called off or the absence of a vendor has the same effect, you can count on this insurance to recover your funds. Just take out this insurance to be stress-free and without any distractions.
How We Selected the Top Event Insurance Companies
Selecting the best event insurance provider will be key in ensuring your event is safeguarded from the unforeseen. According to our research, we listed the top companies providing event insurance coverage for 2025, after looking at the customer service, flexibility of the coverage, price, and claims support they have to offer.
1. EventHelper
EventHelper is excellent for small, 1-day events. Customers appreciate its user-friendly website and value pricing. With them, you can receive quotes in a matter of minutes and the hardworking support team is very nice and helpful. Coverage is limited, but for a small gathering, it is good enough.
2. WedSafe
WedSafe is also the preferred choice of many wedding venues and couples. It provides both wedding liability and cancellation coverage — perfect for peace of mind. You can easily get a quick quote online and they’re usually fairly priced. They have a responsive support team who is helpful with claims.
3. Thimble
A thimble is a must-have for freelancers like photographers and vendors. And it provides hourly or daily coverage that works well with short gigs. Not only are they affordable and customizable, but the mobile app enables you to get cool quotes super easily. The filing process is simple.
4. Markel Event Insurance
Markel shines at full-service events such as corporate bashes or big weddings. There are many options out there, ranging from coverage of equipment to liquor liability. Customers like the flexible plans and good value. Their online quoting process is straightforward, and they offer dependable support when filing a claim.
5. RVNA Event Insurance
RVNA is a renowned festival organizer and entertainers’ choice. It gives the most extensive event coverage and is famous for clear communication and fast claims. The pricing is competitive, and online quotes are instantly available. Customers from different parts of the nation go out of their way to commend their wonderful customer service.
6. eWed Insurance
eWed Insurance Travellers, as well as the residents, who plan to go to their dream wedding or other events via eWed, are the ones who should consider it. People can expect that the coverage for the most common issues, e.g. cancellations and delays as well, at a minimum will be included. Redeeming the negative side, the rather high costs are justified by the level of security you get. In addition, eWed website is clear about the process of getting a quote, and the customer support team is always there to help and advise.
7. Hiscox
The companies that provide the event with the necessary goods and services, as well as the small businesses, are the ones who appreciate Hiscox’s services the most. The insurance company comes to the aid of the professionals and the aspirants by the availability of the coverages required. The prices are the factor that makes users stay in the next relationship as they are the leaders in online services. The customer service support is fast, and the claim team is always there.
8. Insurance Canopy
Insurance Canopy is a company that is highly suitable for DJs, musicians, and performers. The company provides coverage that only includes liability and equipment protection. The word spread that quite amazingly they have the cheapest insurance rates and low and quick direct quotes. It is important to note here that the customer support service is very good and the claims are processed in no time at all.
9. ACT Insurance
ACT Insurance Individuals who take part in the making of art, as well as in crafting and the trading of goods, such as artists, craftsmen, and trade show vendors, are the consumers ACT targets. The company offers a huge variety of plans including annual and short-term ones with great coverage options. The feedback they provide is that the pricing and usage are the most user-friendly of all. The friends and family of an artist, a crafter, and a vendor can attest to this fact as they even got quotes and talked to the support team who never failed them in any way.
10. Allianz Global
Allianz Global Assistance As an event manager or participant in a luxury event, Allianz being the most famous company for these kinds of events is not uncommon. The policies are loaded with benefits including travel insurance and high limit coverage. The price may look higher at first, but the quality aspired is the price of training as well as globalization. The quote for the policy is not just professional but is also country-specific and smooth, the claim process after that is smooth and fast, and most importantly it is reliable.
Tips to Choose the Right Event Insurance Provider
When it comes to picking the right policy, you should not feel all at sea. Below are some actionable tips:
1. Match Coverage with Your Event Type
Each event is unlike others. Select a company that is specialized in the type of your event — be it a wedding, photo shoot, or music performance.
2. Read the Fine Print (Exclusions, Deductibles)
Be aware of what’s not covered. Some policies have exclusions, e.g. no weather-related cancellations, or alcohol-related incidents occurring unless you ask for a special inclusion.
3. Ask for Certificates of Insurance (COIs)
Many venues and clients will require you to show proof of insurance. To ensure that your provider allows you to download COIs without much trouble and at a fast pace, you can ask.
4. Check for Vendor/Venue Requirements
Before purchasing a policy, check with your venue about the kind of insurance they demand. They may require minimum coverage or specify the terms of the policy.
Comparison Table: Features & Pricing
| Company | Best For | Liability Coverage | Cancellation Coverage | Avg. Cost | Website |
| EventHelper | Small, one-day events | ✔️ Basic | ❌ Not Included | $65 – $100/event | eventhelper.com |
| WedSafe | Weddings & venues | ✔️ Yes | ✔️ Yes | $75 – $200/event | wedsafe.com |
| Thimble | Freelancers & short gigs | ✔️Hourly/Daily | ❌Not Included | $5 – $30/hour | thimble.com |
| Markel Event Insurance | Large events & corporate parties | ✔️ Full | ✔️ Optional | $100 – $300/event | markel.com |
| RVNA Event Insurance | Festivals & entertainers | ✔️ Yes | ✔️ Optional | $75 – $250/event | rvnuccio.com |
| eWed Insurance | Destination weddings & travel | ✔️ Yes | ✔️ Yes | $125 – $350/event | ewedinsurance.com |
| Hiscox | Vendors & small businesses | ✔️ General & Prof. | ❌Not Included | $30 – $60/month | hiscox.com |
| Insurance Canopy | DJs, musicians & performers | ✔️ Yes + Equipment | ❌Not Included | $59 – $150/event | insurancecanopy.com |
| ACT Insurance | Artists, crafters & trade shows | ✔️ Yes | ❌Not Included | $49 – $150/event | actinsurance.com |
| Allianz Global Assistance | Luxury & international events | ✔️High Limit | ✔️Yes + Travel | $200 – $500/event | allianztravelinsurance.com |
Frequently Asked Questions About Event Insurance
Do I have to take out insurance for all weddings?
No, it is not mandatory to have event insurance for every wedding ceremony, however, lots of hosts need it. By doing so, it is the only way to be sure that you’ll be able to cover the extra costs in the aftermath of an accident or severe damage.
How much is the average event insurance cost in 2025?
In 2025, one who wants to insure an event will pay in the range of $75 to $300 per event, this is due to the coverage and type of event. A premium plan is the best deal if it corresponds to what is expected from a large or traveling event and therefore may cost more.
Do I have the possibility of obtaining coverage on the same day?
Definitely yes, there are lots of insurance companies, for instance, Thimble and EventHelper, which give sameday insurance. You just fill out a form on their websites, get an online quote, and then in some minutes, the proof of insurance is yours.
May I purchase the coverage on the day of the event?
Most certainly, the same day event insurance is for you. It is advisable to acquire the insurance just in time if there is a last-minute change in your schedule. However, it is recommended to ensure that the provider issues instant certificates of insurance (COIs) which can be shown your venue or client.
Is event insurance a must by the law?
Not at all, event insurance is not a legal obligation, but it is a strong recommendation; especially in the case of large and public events. This eliminates the possibility of a huge financial loss during the cancellation of an event, or just in case the unexpected happens and the event cannot take place.
Final Word
Insurance for the event and the photographer will give you a sense of safety. If the case is a wedding, an event, or any business that one is running, insurance helps in minimizing the costs caused by different incidents like accidents, cancellations, or property damage.
Your event or your business can not be left unprotected now that it has come this far. The right insurance plan can save you from imminent losses; it is wise to invest in it.
Looking for a way to make your day free of stress? Just tap to the Voluntary Life Insurance and make an additional move of securing the best coverage for yourself.
