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How to Get Vendor Insurance for One Day
February 28, 2022
What is Vendor Insurance?
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Getting vendor insurance—even if you only get it for a single day—is a must if you routinely participate in public-facing events. Many vendors assume that they can only purchase insurance on an annualized basis and, as a result, they either spend too much on their policy or side-step insurance altogether.
Obviously, neither outcome is ideal, which is why insurers have begun to offer vendor insurance for one-day events. We’ll walk you through all you need to know about one-day vendor insurance: from the basics (what is vendor insurance in the first place?), to the finer details (what types of events could require you to have vendor insurance for a day?).
Put simply, vendor insurance provides coverage for claims and lawsuits that result from your business’s participation as a vendor at an event. This could include claims made against your business based on foodborne illnesses, injuries, or property damage. In the event that an applicable claim is made against your business based on injuries or damages that occurred during an event you were a vendor at, then your insurance would address the costs of defense and claims up to your policy’s limits.
Say, for instance, that one of your employees accidentally spills water on an expensive speaker and breaks it, and the event manager puts your business on the hook for the cost of replacing it. In this case, you would need to file a claim with your insurance company . If your claim is approved, your vendor insurance company would help your business pay to replace that speaker—or fight the claim the event manager made in court, if you so choose.
Vendor insurance typically applies to vendors who are a small part of a larger event . That said, most vendor insurance policies won’t cover certain types of vendors. For instance, if you set up booths at weapons trade shows to sell guns, you’ll be hard pressed to find a vendor insurance policy. Very few insurance companies are willing to cover bartenders who serve alcoholic beverages, either. If you’re working as a vendor who specializes in something that’s generally considered dangerous, you might need to look for specialty insurance.
That goes beyond just guns and booze, too. Finding vendor insurance for fireworks businesses, tattoo businesses, or weight loss supplement businesses could prove to be difficult. Some insurance companies even hesitate to provide vendor insurance to face painters. If you’re planning on participating as a vendor in a larger event in one of these capacities, then don’t wait until the last minute to try to find vendor insurance for the day—it could be harder than you expect.
Vendor insurance, even if it’s just a one-day policy for an event, is an important investment for most vendors. You’ve probably heard that before, but you might still be wondering why it’s an important investment.
If you’re only working an event for a single day, it’s tempting to not go to the trouble of purchasing a vendor insurance policy. But there are a few reasons why this is a risky move.
For one, many event managers require all participating vendors to have vendor insurance, but very few pay for it themselves. Thimble will soon offer on-demand umbrella policies for event managers, but there’s no guarantee that every organizer will take advantage of this offering. Most event organizers request a Certificate of Insurance from vendors as proof that they’ll have a vendor insurance policy for the event in question.
More broadly, vendor insurance is important because it provides coverage for vendor-specific claims and injuries. A standard General Liability insurance policy may not match the exact risks that come with participating as a vendor in an event. Selecting the vendor add-on for your General Liability insurance policy via Thimble ensures that your coverage better matches your needs, and makes any claims you file more likely to be covered.
Setting up as a vendor at a broader event is a surefire way to gain exposure to new markets. You can set up shop at a widely publicized gathering—without having to solely generate or pay for that publicity. Being a vendor at an event means that new eyes see your brand, and word of mouth could increase exponentially for your business as a result. Here are a few examples of opportunities that could afford your business this exposure—and that, of course, could require you to have a vendor insurance policy.
Trade Shows
Trade shows are tried-and-true ways to gain industry contacts and customers. Say, for instance, that you’re starting a haircare company that you want local salons to start using and selling to their clients. You can set up a table at a beauty industry trade show and attract local haircare professionals to your table. But you also need to access vendor insurance for the day of to make sure you’re protected from claims and injuries that might occur during the trade show. Purchasing vendor insurance for one day could very well be worth the valuable B2B contacts that trade shows typically offer.
Conferences
Conferences are another valuable way to access industry-specific exposure as a vendor. You can publicize your business to industry professionals without having to pay for wide-reaching advertising that conference managers provide. Just like trade shows, conferences often require a vendor insurance policy for the duration of the event—whether it be a day or a whole week long.
Vending at festivals is also a tremendous opportunity for small businesses. Though the exposure they offer might not be as industry-specific as trade shows or conferences, festivals are a wonderful way to get in front of consumers without overtly advertising your product. Plus, festivalgoers are more likely than your average window shopper to try out your offerings—whether you’re selling fine art or slinging hot dogs.
With this wider exposure comes the need for coverage. Vendor insurance helps protect your business from any claims that new customers or festival managers might make against your business. The free-flowing nature of a typical festival—be it a music festival or a tulip festival—makes vendor insurance all the more necessary for your business.
Events like flea markets and farmers’ markets are wonderful ways for businesses without storefronts to set up shop in central locations. Flea markets allow vintage and antique curators to get their collections within the line of sight of many high-intent shoppers.
On the other hand, if you’re running your own farm in a rural area and you want to be able to reach cities bustling with hungry customers, being a vendor at a farmers’ market is the easiest way to do so. As with most events at which you’d set up a booth or table, these markets also require vendor insurance so that you can protect your business from claims that could be filed against it.
A (relatively) new vendor-centric phenomenon sweeping the small business space? Pop-ups . Also known as flash retail or temporary retail, pop-up shops are when small businesses pay to set up a physical shop in a high foot-traffic area for a short amount of time. Pop-ups can also be restaurants—an up-and-coming chef might borrow a kitchen and a dining room from another restaurant on the day that the host restaurant is closed.
Pop-ups are a valuable way to test out a product or service without investing in real estate or signing a lease. Or, if your business is internet-based, pop-ups can allow you to test out traditional retail without fully committing to a storefront. If you want to seize a portion of the 92% of purchases that still happen offline , then a pop-up shop is a low-commitment way to try it out.
The host of your pop-up might require your business to purchase a vendor insurance policy before setting up your spread. Be sure to iron out the details to see what type of insurance a pop-up host might require from your business.
So, now that you’re familiar with all of the reasons why you need to get vendor insurance, whether for a day or for a year, let’s talk about the process of accessing short-term vendor insurance for one-off events like the ones we highlighted above. Luckily, this is actually the easy part.
With Thimble’s vendor add-on for our Events and Entertainment insurance policies, getting vendor insurance for one day is insanely easy. Thimble’s app allows you to purchase vendor insurance for one day for as little as $10 a day.
In fact, you can actually purchase vendor insurance by the hour for as little as $5 an hour. Thimble’s policies come with $0 deductibles and a $1 or $2 million limit, too. Even though these vendor insurance policies are remarkably affordable and customizable, they still offer top-tier coverage underwritten by A-rated Markel Insurance Company .
Vendor insurance for one day is now a possibility for your business. You can customize your coverage down to the hour for events you participate in intermittently. That said, if you participate regularly in events like trade shows, farmers’ markets, conferences, or pop-ups, be sure to do the math on the overall cost of short-term versus longer-term plans. If you’re regularly a vendor for larger events, it could be worth it to invest in a monthly policy rather than getting vendor insurance on a day-by-day basis.
Written on April 20, 2021 | Last updated: February 28, 2022
Our editorial content is intended for informational purposes only and is not written by a licensed insurance agent. Terms and conditions for rate and coverage may vary by class of business and state.
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Short-Term General Liability Insurance
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What Is Short-Term General Liability Insurance?
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What Does Short-Term Liability Insurance Cover?
- Medical expenses if your work or the completed project hurts another person.
- Property damage to someone else’s belongings due to your business’ work.
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- Judgments and settlements resulting from a customer or client’s lawsuit.
What Is General Liability Insurance and Why Do You Need It?
Who needs short-term general liability insurance.
- Construction workers
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What Kind of Projects Does Short-Term Liability Insurance Cover?
- Setting up furniture: Installing a home theater or hiding TV wires
- Installing cabinets and countertops: Building or repairing carpentry and putting in a vanity
- Fixing floors: Installing laminate, carpet or tiles, as well as refinishing hardwood
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- Fixing pipes: Unclogging a drain and replacing a faucet or toilet
Benefits of Short-Term Liability Insurance
- Liability coverage when you need it
- The same coverage as general liability insurance
- A policy that only lasts as long as you need it to
How Much Does Short-Term Liability Insurance Cost?
- $6 for $300,000 of coverage for two hours of cabinet installation
- $18 for $300,000 of coverage for two days of drywall and painting
- $57 for $1 million in coverage for three days of work for a two-person crew to install a fence
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One Day Business Insurance: Liability, Cost & Quotes From $3
For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Homepage > Business Insurance > One Day Business Insurance: Liability, Cost & Quotes From $3
One day business insurance is a coverage for business activities that don’t take more than one day to complete. As the name implies, 1 day business insurance protects your business for a day, ensuring you have the flexibility to meet your business's specific needs.
Often referred to as one day commercial insurance or one day small business insurance, this specialized insurance policy provides a shield against many common business hazards . Single day business insurance policies can provide protection against business property damage, third party lawsuits, etc. If you do not have comprehensive insurance, small business insurance for one day ensures that you still do not run the risk of paying out of pocket or possibly business closure.
- Basic Business Insurance: Liability, Cost & Quotes from $7
One Day General Liability Insurance
Primarily offered as a general liability coverage, 1 day liability insurance protects your business against third party property damage or personal injury claims. Here’s how the policy works:
In property damage claims, general liability insurance will reimburse the value of the property that was destroyed or damaged due to your business operations
In personal injury claims, general liability insurance will reimburse or cover the medical expenses of third parties who got injured due to your business operations
Depending on who it is underwritten for, one day general liability insurance can have different types of optional policies.
For example, the one day general liability insurance for weddings can be added with rented premises liability coverage and host liquor liability coverage. Rented premises liability coverage will reimburse the owner if the venue for the wedding is damaged due to a fire. As for host liquor liability insurance, this will cover attorney fees, administrative costs, and settlements on behalf of the wedding hosts if an overly drunk guest sustains injuries and files a claim
One day general liability insurance for farmers market and flea market vendors has rented premises liability coverage and product liability coverage. Rented premises liability coverage will take care of expenses if a rented booth is damaged by fire. Product liability coverage, on the other hand, covers costs if a customer files a claim because the product bought is spoiled, has expired, or turned out to be defective.
Just for one last context, let’s take a look at the intricacies of general liability insurance for one day event. The one day general liability insurance for events comes with optional products and completed operations coverage, and tools and equipment coverage. Products and completed operations coverage will take care of attorney fees, administrative costs, and other legal expenses if an attendee or any other third party files a claim after sustaining personal injuries or property damage due to the event’s activities. Tools and equipment coverage will reimburse losses if an owned or rented equipment for the event becomes damaged.
It might sound absurd to only purchase liability insurance for one day. However, this is the best option for those who don’t have any meaningful use for a full-term general liability insurance policy. This is, in fact, the most reasonable insurance option for part timers and other businesses that don't have daily operations.
General liability insurance for a one-day cover is not legally required. Still, it goes a long way toward ensuring that you have peace of mind while carrying out the project during the day.
One Day Public Liability Insurance
Public liability insurance for one day event or commercial activities is a specialized 24-hour coverage that covers personal injury and property damage claims. While you could get general liability insurance, you should opt for one day public liability insurance that is relatively more affordable. This comes in handy when you only land business opportunities once in a while and would rather not incur the cost of long term public liability insurance. Overall, public liability insurance for a day provides you with the peace of mind you need to conduct your business during the day without worrying about any third-party claims.
Note that when you buy public liability insurance for one day, it doesn't provide rented premises liability coverage and completed operations coverage. This is the reason why public liability insurance for a day is cheaper than general liability insurance.
So how much money can you get from the policy? 1 day public liability insurance provides $1 million-$2 million coverage for personal injuries and property damage claims.
One Day Public Liability Insurance Cost
Seeing as every business is different, one-day public liability insurance costs vary just as much. The cost of the one-day public liability insurance will depend on the type of business you're in, the number of employees you will be working with during the day, and the type of risks involved while carrying out your business. Typically, however, one day public liability insurance cost range between $45-$110 per day. Some insurers will allow your business to extend the one-day public liability coverage from just 24 hours to more extended periods. Consider shopping around for cheap one day public liability insurance quotes.
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One Day Business Car Insurance
Consider a situation where you will be using a vehicle for just the day to carry out your business. You need to protect the goods loaded, the passengers, the driver, as well as the car itself. Since a full-term commercial auto insurance isn’t an option, get one day business car insurance. Typically sold as a short-term commercial auto insurance, this steps in to protect you from paying out of pocket for any unexpected events that might occur while using the motor vehicle commercially for a day.
One day business car insurance isn’t different from a 6-month or 12-month policy. It also has the following coverages:
Auto liability coverage-Auto liability coverage will help if the vehicle you’re using commercially for one day causes an accident. This will cover or refund the medical expenses of third parties who got injured. Auto liability coverage also reimburses the value of damaged property owned by third parties. Protection doesn’t only extend to financial liabilities but also to legal expenses as this insurance will cover attorney fees, administrative costs, and other legal expenses on your behalf
Physical damage coverage-Physical damage coverage is included in the terms of one day commercial auto insurance. This is available as a comprehensive or collision policy. Comprehensive physical damage coverage will cover expenses if the vehicle incurs damage due to theft, fire, vandalism, and other covered perils. Collision physical damage coverage, on the other hand, will cover costs if your vehicle got damaged after colliding with an object or another vehicle
Uninsured/underinsured motorist coverage-Uninsured/underinsured motorist coverage will take care of cost if your vehicle got involved in an accident another vehicle caused. If the other driver can’t cover your personal injuries or property damage, underinsured/uninsured motorist coverage will provide the money so that you can take care of expenses
So what specific situations does one day business car insurance become truly useful? Get this insurance when:
Using the car of your mom, dad, sibling, friend, or colleague for work-related purposes
Using a company car that’s uninsured or doesn’t have adequate amount of commercial auto insurance
Unplanned use of your car as a vehicle to haul equipment, materials, or goods to be used for business operations
Note that one day business car insurance can’t be used to cover any vehicle you rent or hire for commercial purposes. To get it covered, you need to purchase a stand-alone rented/hired auto insurance.
Also, there are only a few carriers that offer one day business car insurance in the USA. In fact, no major insurance companies offer this coverage to customers. In case, you really fail to find one, alternative options are non-owner car insurance policy or a commercial auto insurance which you can stop anytime without any cancellation fees.
One Day Commercial Truck Insurance
Suppose you have a commercial truck that you use to ferry your wares and employees. While you could possibly have the truck insured, you want to go a step further and get one day commercial truck insurance to cover you for the 24 hours during which you will be utilizing the commercial truck. It is essentially an extra level of protection you get, further cushioning you from any accidents that might occur involving the commercial truck. It is barely over the top and very much necessary, especially in today's business environment where it seems people are quick to file lawsuits.
One Day Workers Comp Insurance
Right now there are no insurance companies that provide workers comp for one day. It’s because the policy is designed to cover employees so long as they’re employed under you. That said, instead of one day workers comp insurance, what insurance companies offer as an alternative is a pay-as-you-go workers comp.
Pay-as-you-go workers comp insurance takes your actual monthly payroll instead of the projected payroll for the whole year when determining premiums. The main benefit of pay-as-you-go workers comp is that premiums are easier to estimate. Moreover, it doesn’t force the policyholder to have rates that are too much to handle.
Similar to a standard workers compensation insurance, pay as you go workers comp provides coverage for the following when an employee or you sustains a work-related injury or disease:
Medical treatment/procedure-When an employee or you sustains a work-related injury or disease, pay-as-you-go workers comp will cover surgeries, therapies, and other medical treatments/procedures
Hospitalization-Workers compensation insurance will cover bills if you or an employee needs to stay in the hospital for days, weeks, or months to receive intensive care for a work-related injury or disease
Medication-You or an employee can use the funds provided by pay-as-you-go workers compensation insurance to buy medicines needed to recover from a work-related injury or disease
Rehabilitation-Similar to medication, pay as you go workers' compensation insurance also covers rehabilitative costs if you or an employee becomes impaired due to a work-related injury or disease
Lost wages -Pay-as-you-go worker's compensation insurance will cover lost wages if you or an employee can’t work due to a work-related injury or disease. Compensation for lost wages is a weekly allowance equal to two-thirds or 67% of the average weekly wage. However, this can be entirely different depending on the provisions of the worker's comp law of your state
Death benefits-Pay as you go workers comp will cover dependents and funeral expenses if you or an employee dies due to a work-related injury or disease
Failure to get workers' compensation insurance is punishable by law. This is why you should opt to have this coverage even if you’re only working with an employee for a brief period of time. Depending on where you are the punishment can be:
Imprisonment
A fine twice you would’ve paid for workers comp premiums
An accumulating fine multiplied by the days you didn’t have workers comp
One Day Commercial Drone Insurance
Businesses using drones commercially for 24 hours will find one day drone insurance useful. This will cover expenses if a drone causes personal injuries or property damage. Additionally, one day coverage for drones comes with hull insurance. This will cover costs if the drone and its equipment becomes lost or incurs damage due to impact, winds, fire, theft, and vandalism.
One Day Rental Equipment Insurance
If you’re working as a construction contractor, then chances are you’ll need to hire some equipment for a project. And if you’re only using such equipment for a task which can be completed in one day, there’s no need to schedule them on your annual policy's equipment coverage. It might be smarter for you to get one day rental equipment insurance .
One day rental equipment insurance covers all types of construction equipment you rented for a day. Particular perils covered are:
Falling objects
While rental equipment insurance isn’t a requirement, you'll be forced to get this as many owners won’t lend their equipment if you don’t have any insurance ready and waiting.
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One Day Business Insurance Cost
Your business, location, the number of employees, and risk factors will determine how much one day business insurance cost. The price ranges between $45 and $115 per day for a $1 million general liability insurance. Similar to the one day public liability insurance, providers are open to you extending the coverage for more than 24 hours. Others will require that you renew the cover every 24 hours to ensure continued coverage. This flexibility comes in especially handy when you do not know how long the current project you are handling will take. Here's a breakdown of one day business insurance costs from the best one day business insurance companies in the market today.
We strongly recommend you to compare quotes before buying a one day business insurance policy from any carrier. By comparing quotes, you get to see which company provides the best coverage at the most reasonable rate. Start comparing quotes by clicking the “Get Quotes” button on this page.
Best One Day Business Insurance Companies
Purchasing insurance is safer and faster if you know where to get it. That said, read the reviews below to know the pros, cons, and one day commercial insurance rates of the best one day business insurance companies.
Thimble One Day Business Insurance
Thimble offers online quotes
Providers cover a wide range of industries
Thimble can tailor the one-day business insurance cover to meet your needs
You can only reach customer service via the official Thimble website or application
Thimble's one-day business insurance is available as a short-term policy that lasts hours, days, weeks, or months. You can add other helpful insurance products that Thimble can underwrite. This policy is tailored for numerous industries, with provisions made even for the most unlikely business spheres.
Best for: One-day business insurance also available as an hourly, weekly, or monthly coverage
Average cost: $5 for a one day $1 million general liability coverage
Our rating: 9/10
The Hartford One Day Business Insurance
Get covered for a minimum of 2 hours, 1 day, or more
$300,000 - $1 million general liability coverage
Fast online quotes
Add landlords as additional insureds
Only covers businesses in the home service and construction industries
The Hartford sells short-term general liability insurance which you can avail as a one day coverage. Note that this is a policy underwritten by its partner Putty Insurance. Another thing to understand is that only businesses in the construction or home service industry can get covered.
Best for: One day business insurance for home and construction projects
Average cost: $32 for a one day $1 million general liability coverage
Our rating: 8/10
Hiscox One Day Business Insurance
One day professional liability insurance
One day general liability insurance
ACORD 25 certificate of insurance
Cheap deductibles
One day liability insurance is underwritten by Thimble
Another company that sells the liability insurance of its partner, which you can get as a one day professional liability or general liability coverage is Hiscox . The one day business insurance you’ll get from this company is underwritten by Thimble. Hiscox helps you manage the policy of its partner. Since it’s working with Thimble, your one day general liability insurance or professional liability insurance from Hiscox can be added with additional insureds, provides an ACORD 25 certificate of liability insurance, and gives generous coverage with cheap deductibles.
Best for: One day general liability insurance for contractors and small businesses
Average cost: $5 for a one day $1 million general liability coverage
National Unity One Day Business Car Insurance
Fast online quotes
Covers commercial autos and motor trucks
Cheap rates for vehicles manufactured after 1992
Doesn’t include uninsured/underinsured motorist coverage on its one day business car insurance
The amount of coverage provided is lackluster
You can’t name any other driver to your policy
National Unity Insurance provides coverage for motor trucks and commercial autos owned by businesses operating in or outside of the US. One day business car insurance is available as a policy having a combined single $100,000 limit or a policy having a $100,000 limit split into 30/60/25 for bodily injuries, property damage, and legal expenses respectively.
Best for: Business car insurance for motor trucks and commercial autos
Average cost: $69 for a one day business car insurance having $100,000 coverage
Our rating: 7/10
Recent Reviews
Policy Type: Business Insurance
Company name: Next Insurance
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Company name: CoverWallet Business Insurance
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!
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Special event insurance
If a business organizes a party, fundraiser, or other event, special event insurance can provide liability coverage for the specified dates.
When do small businesses need special event insurance?
If your business holds an event that differs from its day-to-day operations, it could benefit from special event insurance. Certain venues may even require it. This policy can help small businesses pay for unanticipated costs related to the event, such as an injury or venue cancellation fees.
Small businesses can add special event insurance to a general liability policy . It could be one-day insurance for an event shorter than 24 hours, or insurance for an event that lasts several days. Read more about special event coverage .
This policy provides coverage for:
- Sales and marketing events
- Holiday parties
- Networking events
- Employee retreats
- Dedication ceremonies
- Fundraisers
How special event insurance protects nonprofits
Nonprofits depend on fundraisers such as walkathons, bake sales, dinners, and galas. However, these events can be a huge liability. A polar plunge participant could develop hypothermia and file a lawsuit, or a nonprofit might have to pay cancellation fees when bad weather forces a change of plans.
Special event insurance protects your nonprofit by making sure you don’t lose money after a mishap or canceled event.
Add special event coverage to your general liability policy
If you’re a small business or organization that needs special event coverage, you may be able to add it to your general liability policy . To compare general liability insurance quotes from top-rated providers, fill out Insureon’s free online application .
How much does special event insurance cost?
Special event insurance is a short-term, nonrecurring policy that you pay upfront. It can be very affordable for a small business. Several factors affect policy costs, including:
- Coverage limits
- Venue location and cost
- Number of people attending
- Whether alcohol is served
Does special event insurance cover losses related to COVID-19?
Special event insurance usually excludes communicable disease coverage . However, some policies have loss of deposit and event postponement coverage that could be triggered regardless of the reason for cancellation or postponement.
Read more about coronavirus and special event insurance.
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General Liability Insurance
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What is business liability insurance?
A general liability insurance policy — also known as business liability insurance — protects businesses from claims that result from normal business operations. Business liability insurance policy for protection from bodily injuries, medical payments, advertising injuries, and more.
GEICO can help small business owners and contractors get the coverage they need with a general liability insurance quote.
What does general liability insurance cover?
This liability insurance protects your small business from claims that occur during your normal business operations, such as:
- Property damage
- Physical injury
- Defense costs
- Personal and advertising injury
How much does general liability insurance cost?
The cost of general liability insurance is based on your specific business needs. Your business is unique, and so are the risks. Factors that influence the cost include:
- Type of work
- Number of employees
GEICO can help you get an insurance policy with the right coverage at a great price. Start your general liability insurance quote now .
Common terms to know when shopping for liability insurance.
Property Damage
Protects you from claims costs if you damage someone else's property.
Medical Payments
Payments for accidents that occur on your premises or because of your operations, such as a customer slipping on a wet floor. This is regardless of who is at fault.
Personal & Advertising Injury
If you're sued for libel and slander, this could provide coverage for those claims.
Who needs liability insurance coverage?
Each business is different, so make sure you're covered for your needs. Examples of businesses that use general liability insurance are:
- Artisan contractors
- Small business owners
- Landscaping companies
- IT contractors
- Real estate agents
- Janitorial services
Check out our insurance for small business page to learn about small business coverages . If you still need guidance on whether general liability insurance is right for you, we're here to help. Contact our licensed agents with any of your concerns or questions.
Should you get general liability insurance for your LLC?
While an LLC provides some protection from personal liability for members, the protection is not absolute and your business can still be sued. General liability insurance for your LLC helps protect your small business from the consequences of third-party claims for injury or property damage.
Does your company need a different type of liability insurance coverage?
Being properly insured is the best way to protect your company. We're here to help. A few examples of companies that may be better suited to our other business insurance products
- Your company provides professional services (e.g., education and training)
- You rent or own a storefront
- You use vehicles to transport goods, yourself, or employees
Do you need other business liability insurance coverage? GEICO can help.
Business owners policy (bop).
This 2-in-1 policy includes general liability plus protection for your property. It can cover:
- Business location, merchandise, store contents, and equipment
- Business interruption expenses and loss of income
- Cases where someone is hurt on your premises
Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees' wages while business is interrupted.
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Professional Liability Insurance
We often recommend professional liability coverage to go with general liability or a BOP.
- This covers certain professional and personal services, in case you're sued for negligence or for the advice you give clients
- It's often known as Errors and Omissions Insurance
Example: A client sues a hair stylist for allegedly giving them the wrong cut and color. Professional liability insurance could cover legal defense costs.
Commercial Auto Insurance
A personal auto policy is not enough to cover vehicles used for business. Commercial auto insurance can:
- Cover business uses that personal auto policies don't include
- Offer more liability coverage to protect you
- Includes cars, pickup trucks, box trucks, and more
Example: On a job site, a carpenter accidentally backs into the homeowner's car. Commercial auto insurance could cover the damage.
Cyber Liability Insurance
Protects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or if a laptop with confidential information on it is stolen.
Need to speak with us?
You can reach us at (800) 841-1621 .
- Mon – Fri 8:00 AM – 9:00 PM (ET)
- Sat 10:00 AM – 6:00 PM (ET)
General Liability Insurance: Frequently Asked Questions
How can i manage my policy, do you sell other business insurance products, do you have any information about starting a new business, is my small business properly covered.
For online quotes:
GEICO Insurance Agency, LLC has partnered with Hiscox Insurance to provide business insurance products. When you click on "START QUOTE" and "Start your quote now", you will be taken to the Hiscox website, which is not owned or controlled by GEICO.
GEICO has no control over the privacy practices of Hiscox and assumes no responsibility in connection with your use of their website. Any information that you directly provide to Hiscox is subject to the privacy policy posted on their website. All business products offered are written on an admitted basis (Hiscox Insurance Co., Inc.) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.
Business Insurance coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. We can help you secure business insurance in all states except Hawaii.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
One Day Event Insurance – Special Event Insurance
Contact us for a no obligation One Day Event Insurance quote today! From: EventInsuranceQuote.com
One Day Event Insurance
When every little detail matters..
A special event can be anything from a wedding to a multi-day festival involving food sales, alcohol sales, amusement rides, rodeos, athletic contests and parades. Whatever your event, chances are that your regular insurance program will not cover these exposures. You need special event insurance that is designed to cover your particular activities.
Special Event Insurance (also referred to as CGL, Commercial General Liability) provides protection for situations in which an event holder, exhibitor, concessionaire or vendor must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. This policy may also provide protection to the venue by the attachment of an Additional Insured endorsement, when required.
For event insurance for small gatherings to world-class celebrations, EventInsuranceQuote.com covers special events of all sizes. Through years of experience, we’ve found that tailed coverage designed to fit your event will provide the best insurance coverage. Have a smaller event? Our short term one day event insurance program protects clients without unnecessary coverage’s that a larger special event would require.Events of all sizes, turn to us for superior insurance protection because we offer low cost insurance with superior coverages and services. We cover thousands of events each year including multiple day festivals, parties of varying sizes and seasonal events such as pumpkin patches, street fairs and more.
What is One Day Event Insurance?
Short Term Events are our specialty. One Day Event Insurance, also known as Single Day Event Insurance is a specific type of entertainment insurance, which covers an individual or company hosting an event. Our Special Event Insurance liability provides coverage for damages for which you are responsible for if there is an accident at your event that causes injury or property damage.
One-day events, like a 5K run or a food truck festival require a lot of effort to organize. Depending on the events you plan and the vendors you use, you may have a lot of insurance risk to juggle. If you have vendors at your event, make sure that they have proof of insurance to operate at your event. Similar to a wedding or a concert, be sure that you have insurance to cover your exposure, like liquor liability insurance for the sale of alcohol.
Even if you’re planning a short event, you still face risks. It’s important to talk to an experienced insurance professional about the details of your one-day event beforehand. One injured person or one piece of valuable property that is damaged can lead to significant legal liability risks for you as the event planner. If you are the person responsible for the event, do not risk your assets and peace of mind by not obtaining the proper special event insurance.
When Should I purchase One Day Event Insurance?
It’s a good idea to purchase a policy as soon as you begin to pay deposits. Our wedding liability coverage can be purchased up to 1 day prior to the event date.
When Should I purchase Event Cancellation Insurance?
Event Cancellation Insurance provides coverage for the loss of revenue derived from OR expenses committed to an event due to a cancellation, abandonment, interruption, curtailment, postponement or relocation caused by covered perils as defined in the policy as covered perils. Caterers, photographers and other vendors usually require a significant non-refundable deposit up front with the remainder due by the day of the event. Our event cancellation coverage can be purchased up to 15 days prior to the event date.
What Is Special Event Insurance?
A special event can be as simple as a birthday party or as complex as a month-long state fair. If you are planning a special event, you need to check with a professional insurance agent to determine what coverage, if any, may be provided by your existing insurance and what additional special event insurance you will need to carry. You should obtain insurance for events well before the time it is needed, as the process to underwrite this kind of coverage can be complicated and lengthy.
Special events can involve a many different exposures:
- Automobile liability
- Liquor liability
- Aircraft liability
- Spectator liability
- Products liability
- General premises liability
- Animal liability
- Liability for rented or loaned property
- Damage to owned property
- Medical malpractice if you have a first aid station
Standard personal or commercial policies will not cover all these exposures. In most cases you will find that you are better off having event insurance that is specifically tailored to cover your situation.
What Events does Special Events Insurance Cover?
We write event policies to protect you from all of these possibilities and more so you can host your event and enjoy it too. Below are a few of the major event types we provide coverage for. Click on the bold link after the description if you want more information about coverage for this type of event. We cover the UNEXPECTED.
Eligible events we can cover and may include functions such as (But NOT limited to):
- Art Displays
- Charity Events
- Conventions
- Craft Displays
- Graduations
- Religious Assemblies
- Social Gatherings
- Trade Shows
- Video Productions
- Wedding & Receptions
- MANY more…
Standard Liability Limits
$1,000,000 one day event insurance as low as $110 with immediate coverage., how much does one day event insurance cost.
The cost of special event insurance for a one day, non-hazardous event can cost as little as a hundred dollars or so. The longer the event takes place and the more activities you plan, the higher the price for insurance will rise. Here is the kind of information an underwriter will want to have available in order to price your special event insurance:
- The nature of the event
- The length of the event
- The location of the event
- A list of all activities planned
- The number of participants expected
- What are the provisions for crowd control?
- Will liquor be served or sold?
- Are there any amusement rides?
- Are there activities that can involve injury to spectators?
- Are vehicles or other motorized equipment involved?
- Is food to be provided or sold?
- Are outside vendors involved and will they provide proof of their own insurance?
- Who is running the event and what experience have they had?
- Are there any prior claims if the same event has been held previously?
- What limits of liability are requested?
If you are planning to rent a facility for the event, the owner may require that you purchase special event coverage as a condition of the rental. In many cases, the owner will want to be an additional named insured on the policy.
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Personal & family events – weddings, anniversaries, birthdays, receptions.
We cover all of your special events including weddings, anniversary parties, retirement parties and more! Discover how our one day event insurance can give you the peace of mind you need when planning your special day. It’s your day, and you shouldn’t have to put any limits on your fun! If any individual gets injured while attending your event, you may be held liable for medical expenses, loss of income, and other damages due to your unintended negligence.
Whether it’s a birthday party, anniversary or baby shower, organizing a thoughtful event requires meticulous planning, not to mention a lot of energy. Unfortunately, you can’t plan everything and unforeseen occurrences like extreme weather, accidents, or illness could very well leave you in an uncomfortable position. So, whether you’re planning an event for yourself or close family member, special event insurance can minimize your responsibility and loss if you face an unavoidable setback . Personal & Family Events Online Quote
Music Concerts & Music & Non-Music Festivals – Hip-Hop, Rock, EDM, County and more…
Concerts can vary from small, one-time events to large, elaborate affairs involving thousands of spectators. Some concerts involve fireworks which can and have caused serious injuries and large legal claims. Large events can also involve issues having to do with crowd control. Crowd control is a challenging issue for concert organizers to deal with. Too little crowd control can cause injuries to spectators and potential liability risks, but too much crowd control can be just as problematic and could also cause you to face a lawsuit if a patron was handled roughly by a bouncer, for example.
Who Needs Festival Insurance?
A festival can be anything from a bake sale in your church parking lot to a large music festival like Lollapalooza. The longer the event, the more activities and the more participants involved, the more likely it is that you’ll need private event insurance. In many cases, you will be required to provide evidence of special event insurance to a third party, like the church administrator for the church parking lot bake sale, or the Parks and Recreation board for a music festival. Festivals & Concerts
Event Cancellation Insurance & Inclement Weather Insurance
Event Cancellation Insurance provides coverage for the loss of revenue derived from OR expenses committed to an event due to a cancellation, abandonment, interruption, curtailment, postponement or relocation caused by covered perils as defined in the policy as covered perils.
What is the difference between Event General Liability Insurance and Event Cancellation Insurance?
Special Event General Liability insurance coverage is required by venue or vendor contract and protects against 3rd party bodily injury or property damage claims. Event Cancellation Insurance is a specialty insurance coverage and is “elective” in nature, the premium is determined based on the revenue or expense at risk, event type, dates and location of the event and scope of coverage required. Weather and Cancellation Insurance
Equine Events, Horse Show Insurance
We provide special solutions for rodeos, horse shows, livestock shows, ropings, pennings, barrel racings, horse expositions and clinics as well as many other equine and rodeo-type events. We provide insurance solutions for the unique needs of the rodeo, equine and livestock industries. Our clients include major rodeo sanctioning organizations, rodeos and livestock shows, rodeo stock contractors, and horse expositions throughout the United States. Get More Details about our equestrian programs here .
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Hiscox, in partnership with Thimble, offers short-term business insurance for contractors and small businesses. Purchase coverage for a specific period of time
Vendor insurance for one day is now a possibility for your business. You can customize your coverage down to the hour for events you participate
One Day Event Insurance is a special event insurance company that sells event liability insurance for all types of events such as weddings, birthdays
Project insurance · Construction project insurance · Temporary liability insurance · Temporary commercial insurance · One-day general liability
1 day liability insurance primarily offered as general liability insurance covers you against personal injuries, property damage, and lawsuits coming from a
The cost of the one-day public liability insurance will depend on the type of business you're in, the number of employees you will be working with during the
Small businesses can add special event insurance to a general liability policy. It could be one-day insurance for an event shorter than 24
Event liability: helps protect you if someone causes property damage to the venue or someone is injured at your event. Up to $2 million in coverage can be
Do you need other business liability insurance coverage? GEICO can help. · Business Owners Policy (BOP). This 2-in-1 policy includes general liability plus
Special Event Insurance (also referred to as CGL, Commercial General Liability) provides protection for situations in which an event holder, exhibitor