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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

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Lonnie Bell Insuranker

Policy Type: Business Insurance

Company name: Employers Insurance

Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.

This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth

I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.

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!

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HOME > ARTICLES > BUSINESS INSURANCE > ONE DAY/SPECIAL EVENT BUSINESS INSURANCE

One Day/Special Event Business Insurance

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InsuranceRanked.com is a free online resource that provides valuable content and comparison features to visitors. To keep our resources 100% free for consumers, InsuranceRanked.com attempts to partner with some of the companies listed on this page, and may receive marketing compensation in exchange for clicks and calls from our site. Such compensation can impact the location and order in which such companies appear on this page. All such location, order and company ratings are subject to change based on editorial decisions.

- Updated February 23, 2024

One Day/Special Event Business Insurance

Most events are meant to be joyful and celebratory, rather than sources of worry. To ensure peace of mind and fully enjoy the day, one-day or special event insurance is essential. This type of insurance provides coverage specifically tailored for single-day events. In this article, we delve into the details of one-day business insurance and its comparable counterparts. By exploring these options, you can find the appropriate coverage that allows you to focus on the festivities without any concerns.

What is One Day Business Insurance? What is Short-term Liability Insurance? What is Special Event Insurance?

One-day business insurance is designed to provide coverage for business activities that occur within a single day.

Short-term liability insurance, on the other hand, offers coverage for business projects that typically span up to two weeks.

For specific special events, special event insurance offers tailored coverage to protect against any unforeseen circumstances or liabilities.

Understanding the distinctions between these types of insurance can help you choose the appropriate coverage for your business needs.

What is the Difference Between One Day Business Insurance vs Short-term Liability Insurance vs. Special Event Insurance?

The primary difference between one day, short-term liability, and special event insurance concerns the coverage length. One day business insurance lasts one day while some special event policies can last two days. Short-term liability insurance can last two weeks.

dice-risk

Why Should I Get Event Insurance?

Event insurance can help protect the named insured against liabilities and cancellations.

Event Liability

Event insurance with event liability coverage can protect the named insured if they are found responsible for bodily injury and/or property damages sustained during their event.

Event Cancellation

Event insurance with event cancellation coverage can reimburse the named insured for deposits, catering, vendors, and other expenses if they must cancel their event.

When Should I Buy Special Event Insurance?

Experts recommend buying special event insurance when you begin spending money for the event. You should check your policy's restrictions because they might contain specific time limits.

When Do Small Businesses Need Special Event Insurance?

A small business should obtain special event insurance when it holds an event outside of its normal operations. For example, a company that regularly holds holiday parties, employee retreats, and fundraisers should acquire special event insurance for each occasion.

How Special Event Insurance Protects Nonprofits

Nonprofit organizations usually hold many fundraisers throughout the year. From charity races to galas, special event coverage protects nonprofits against the risks associated with each event. Uninsured nonprofits might have to pay for any damages that occur during one of their events.

How Do I Get a Certificate of Insurance for an Event?

The named insured will usually receive a certificate of insurance as soon as they purchase coverage. Depending on the insurance issuer, the named insured can access their certificate of insurance via email or the issuer's customer portal. The named insured can then print or save the certificate as they see fit.

calculator-spreadsheet

What Does Event Insurance Cost?

Premiums depend on the event location, number of guests, presence of alcohol, and what other types of coverage are included. Premiums also vary by insurance issuer. Event insurance generally begins at around $50 and reaches as high as approximately $200.

What Types of Functions are Covered?

Event insurance usually covers private events like weddings, anniversary parties, baby showers, birthday parties, and religious celebrations.

What Types of Functions Are Not Covered?

Depending on the insurance issuer, most public events are not covered by special event insurance. Examples include dance recitals, sporting events, and bachelor/bachelorette parties.

How Does Short-term Liability Insurance Work?

Short-term liability insurance can be perfect for contractors, plumbers, landscapers, and anyone else who works on short projects.

vegetables

Why Bother With One-Day Vendor Insurance?

One-day vendor insurance provides coverage for vendor-specific claims and injuries that would otherwise have to be paid out of pocket. Plus, some venues require coverage because they do not want to deal with the injury and property damage risk themselves.

Opportunities That Often Require Vendor Insurance

Trade shows.

Vendors who set up at a trade show could place their visitors at risk of injury. For instance, a table-making demonstration could result in an audience member sustaining an injury.

Conferences

Conferences can be more low-key than trade shows but they also present liability risks to attendees. For example, a food vendor might spill their product on the convention center floor. Before they can clean the mess, a conference attendee slips and falls. Vendor insurance should

protect the vendor from costly claims and lawsuits.

Music and art festivals can attract large crowds. High attendance means a higher chance of risk. Vendors can keep themselves safe if a festival goer is injured while visiting their booth.

Flea and farmers' markets are great ways for local vendors to promote and sell their products. However, someone could injure themselves at their stall, making vendor insurance an affordable alternative to paying for damages out of pocket.

These temporary retail locations can present many liability risks depending on the products. Vendors can protect themselves in the unfortunate event of a slip and fall.

man-taking-notes

How to get one day insurance

1. determine what type of policies and how much coverage you need.

You have to know what kind of coverage you will need. You should assess as many factors as you can to facilitate insurance shopping. For instance, you should know what type of event you need to be covered (wedding, birthday party, etc.) You should have a rough estimate of how many are expected to attend and how long the event will last. You should also be able to answer whether or not food and alcohol will be provided. Although insurance issuers will have a general idea, you should be able to give them as many details as you can to get the most exact quote.

2. Get multiple quotes

You probably want sufficient coverage at a reasonable price. The first issuer you contact might have the best rates. They also might have the worst. You should get several quotes to compare rates and coverage terms. You should pick what you can afford.

3. Compare providers and purchase a policy

The insurance issuer might have the least expensive policy for a reason. Are they able to cover your expenses in the event of injury or property damage? Check to see how solvent providers are before deciding on who to partner with.

people-dancing

Short-Term Liability Insurance for Events

If you need coverage for less than one day, then you should research short-term liability insurance for events. This type of coverage might be less expensive than one day business insurance. Contact insurance providers for more information.

Public Liability Insurance for One Day Event

If your event or business activity does not present many risks, then public liability insurance might be the best option. Public liability insurance covers personal injury and property damage claims. However, it does not cover rented premises damage claims, making it less expensive than general liability insurance.

One Day Business Car Insurance

If you need to use a vehicle for your business for only one day, then one day business car insurance can protect the driver, passengers, cargo, and the car from claims. This type of insurance covers situations in which you use a family member's, a friend's, or a company car. It also covers your car if you did not plan to use your car for business activities. One day business car insurance does not cover vehicles you have rented or hired for your business.

One Day Commercial Truck Insurance

Some businesses need a commercial truck for one day to transport employees, equipment, or both. One day commercial truck insurance protects you from claims and lawsuits that could occur in the event of an incident.

One Day Workers Comp Insurance

This type of workers' comp insurance does not currently exist. Instead, insurance issuers usually offer pay-as-you-go workers comp that covers your active employees. Premiums are determined by your monthly payroll instead of the yearly payroll.

One Day Commercial Drone Insurance

A relatively new type of coverage, one day commercial drone insurance covers businesses that must use a drone for 24 hours. Perhaps a real estate agent needs to take aerial photos and can not hire someone. They can use a drone and purchase one day commercial drone insurance to cover expenses stemming from the damage the drone commits.

One Day Rental Equipment Insurance

Contractors who need to rent equipment for one day will probably need this type of insurance. Some rental companies will not rent to people who do not carry this insurance. Other types of rentals include party equipment, computers, and cameras.

One Day Wedding Insurance

If you want your wedding to not cost you a fortune if someone trips and hurts themselves, then one day wedding insurance is a viable solution. You can also recoup some of your expenses if the event is canceled for reasons out of your control.

Do You Need Wedding Insurance to Hire an Event Venue?

Chances are, the event venue wants to transfer all risk to you. Therefore, they will probably require one day wedding insurance before they lend you the location.

drinks

One Day Liquor Liability Insurance

If your people are allowed to consume alcohol at your event, then you should think about one day liquor liability insurance. When people get drunk, they can get injured or injure others. They can also damage property. One day liquor liability insurance protects you against these liabilities.

One Day Bartender Insurance

If you have hired a bartender for your event, then you should purchase one day bartender insurance. If they serve alcohol to someone who sustains an alcohol-related injury, you can still be held accountable for damages. Liquor liability coverage is often bundled with this type of insurance.

One Day Vendor Event Insurance

Like all jobs, vending carries risks. Food and beverage vendors might have more risks. People can suffer food poisoning or allergic reactions from items that vendors provide. Although some vendors have long-term coverage, part-time vendors might only need protection now and then. One day vendor insurance can give them temporary protection against claims and litigation.

One Day Insurance for Photographers

One day event insurance for photographers covers photographers if their services somehow injure someone or property. Equipment and drone insurance are often bundled with this type of coverage. Equipment insurance can be highly useful if their cameras are stolen during the vent.

One Day Event Catering Insurance

Catering is not usually thought of as a risky profession. However, if caterers present safety hazards that harm other people, then they will be held liable. A one day event catering insurance policy can ensure the event is less stressful than it has to be.

people-at-a-club

One Day DJ Insurance

DJs also have to take precautions when they work on an event. If they do not properly secure a cable, someone could trip and severely hurt themselves. One day DJ insurance can protect their income against damages originating from their alleged negligence.

One Day Event Planner Insurance

One day event planner insurance covers you if you planned an event that saw someone get injured or property destroyed. You might need additional coverage depending on many factors (you are catering the event, serving alcohol, etc.).

One Day Bounce House Insurance

Anyone can injure themselves in a bounce house. If your event features one, then you need one day bounce house insurance as an additional layer of protection.

One Day Sporting Event Insurance

If you have organized a one-off sporting event, then one day sporting event insurance can shield you from all the risks that could happen during such an event. Participants and spectators can both suffer injuries and hold you responsible. One day sporting event insurance can protect you from those incidents.

fireworks

When organizing or participating in an event, it's crucial to proactively safeguard yourself against any potential risks. Transforming a joyous occasion into an expensive lesson is avoidable. By obtaining one-day business insurance, you can mitigate financial burdens in the event of unexpected circumstances. Protect yourself and save money by securing the right coverage for your one-day business activities.

Event Insurance FAQ

Do some venues require me to add them to my policy.

Yes. Most insurance issuers will allow you to name the venue as an additional insured.

Can I add my vendors to my policy as additional insureds?

Event insurance usually only covers the named insured. Vendors can not be added.

Who is covered under my policy?

The named insured and any additional insureds.

How You Can Choose the Best Event Insurance Company

When shopping for event insurance, you should evaluate each company's:

  • coverage offerings.
  • customer service reviews.
  • contact methods.
  • online availability.

About The Author

Bryan Huynh

Bryan Huynh

Product Tester & Writer

Bryan Huynh is a dedicated Product Tester & Writer. Just as insurance has your back, Bryan works to review and inform you about the wide range of insurance products available, ranging from business, auto, health, home, pet, to life insurance.

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Event Liability Insurance

(Finding the right coverage has never been easier.)

More than seven million people visit our site every year looking for unbiased information about insurance and other related topics. And with great readership comes great responsibility, which means we’re dedicated to providing honest and accurate information.

Event Liability Insurance

A special event can be anything from a wedding to a multi-day festival involving food and alcohol sales, amusement rides and auto races, 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.

Click here to find a network of independent insurance agents who can help you obtain the coverage you need. An agent can provide several event liability insurance quotes for you to compare so you can find the coverage you need at a price you can afford. Find an agent in your area today.

Data on Special Events

  • According to the US Bureau Of Labor Statistics, there are 134,100 professional event planners in the US.
  • It's estimated that party and event planners will spend over $4.9 billion in 2020.
  • In addition, tens of thousands of events are planned by non-professionals every year.

What Is Event Liability 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, because 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 liability insurance that is specifically tailored to cover your situation.

An agent can help you compare event liability insurance quotes from multiple companies so that you obtain the private event insurance that is right for you at a price that works in your budget.

How Much Does Special Event Liability Insurance Cost?

The cost of special event insurance for a one-day, non-hazardous event can cost as little as a few hundred dollars. The longer the event, 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.

It takes an expert to know what information is needed and which carriers to approach for a quote. An independent agent can give you the professional advice you need.

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Our independent agents shop around to find you the best coverage.

Special Event Liability Insurance for Weddings and Concerts

Weddings and concerts are two of the most common special events. A private wedding in a church with a reception on the grounds will not normally require special event insurance. 

However, if your wedding is a more elaborate event in a rented facility, you may have to purchase a special events insurance policy. You should take extra caution if your event involves alcohol. Liquor liability laws vary from state to state. 

However, it is very possible that if you provide alcohol to a guest or participant at your wedding and that person later is responsible for an accident, you could have some legal responsibility. If you do provide alcohol, the safest thing to do is to be sure your special event insurance includes this exposure.

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.

Whether you're a professional wedding planner or a concert organizer, or you're just an average person putting together a great event, make sure you speak with an experienced insurance agent first.  

Independent agents can make sure that you are covered for any liability claims related to your wedding or concert.

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.

If you are planning such an event, contact an agent to be sure you obtain the insurance coverage you need. An independent agent can make sure that you understand the risks of all the aspects of your festival, and can find you coverage to protect you from any exposure to liability lawsuits or loss. 

What Is One-Day Event Insurance?

One-day events, like a 5K run or a food truck festival, still take a lot of effort to organize.  Depending on the events you plan and the vendors you use, you may still have a lot of insurance risk to juggle. 

If you have vendors at your event, make sure you know if they have proof of insurance to operate at the site. Similar to a wedding or a concert, be sure that you have insurance to cover your exposure, like liquor liability insurance.

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.

Obtaining Special Event Liability Insurance Quotes

Special events come in all shapes and sizes. The one thing they share in common is the risk of injury to a person or damage to property. A properly written special event insurance policy is a must-buy item to protect your bottom line.

It can be difficult to search for event liability insurance quotes on your own. Navigating websites and calling around to agencies takes a lot of time that you might not have to spend on research.  Fortunately, an independent insurance agent can help.

Independent insurance agents work with many insurance companies, not just one, so it's easy for them to pull together several quotes for you to compare.  You'll be able to do apples-to-apples comparisons for the insurance you need for your special event.  

Contact an agent to be sure you obtain the coverage you need at a price you can afford.

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General Liability Insurance

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What is general liability insurance coverage?

A general liability insurance policy — also known as business liability insurance — protects businesses from claims that result from normal business operations. Get a 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 is general liability insurance?

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 general liability insurance coverage?

Each business is different, so make sure you're covered with liability insurance 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 with business liability insurance is the best way to protect your company. We're here to help. Here are 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

Additional Coverages to consider with your BOP Insurance? GEICO can help.

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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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.

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.

Protects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or stolen personal data.

This helps provide financial protection for job-related:

Protection against claims of negligence of mistakes which cause bodily harm to another and is usually carried by:

  • Physical Therapists
  • Other medical professional

Protects healthcare professionals against claims of injury and medical negligence.

Need to speak with us about liability insurance coverage?

You can reach us at (800) 841-1621 .

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General Liability Insurance: Frequently Asked Questions

  • How can I manage my liability insurance policy? The Geico Insurance Agency makes it easy to talk directly with an insurance professional who can help you manage your general liability insurance policy.
  • Do you sell other business insurance products? Yes! Whether you're a small business just getting started or looking for better insurance rates, GEICO can help. Answer a few short questions about your business so we can help narrow down the search with you.
  • Do you have any information about starting a new business? Sure, we do! Here are 6 smart tips about starting a new business.
  • Is my small business properly covered? For most small businesses, general liability insurance is recommended. Beyond that, it depends on your unique situation. Common types of business insurance include workers' compensation, commercial auto, and/or professional liability insurance as well. Learn more about what insurance your business needs .

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.

For online quotes:

When you click on "START QUOTE" and "Start your quote now", we gather some pieces of information and you may be taken to the website of one of the insurance companies with which GEICO Insurance Agency, LLC works, which website is not owned or controlled by GEICO. Each insurer has sole financial responsibility for its own products.

GEICO has no control over the privacy practices of these insurance companies and assumes no responsibility in connection with your use of their websites. Any information that you directly provide to one of these insurance companies is subject to the privacy policy posted on that insurer’s website. All business products offered are written on an admitted basis.

General Liability coverages are written through non-GEICO insurance companies and are secured through the GEICO Insurance Agency, LLC . The information you provide will be shared with our business partners so that they can return a quote. We can help you secure business insurance in all states except Hawaii.

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Catering Insurance

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Why do I need catering insurance?

Whether you run a full-time catering company, offer catering services out of your restaurant, or are just getting started as an independent caterer, you need catering business insurance.

Caterers work with a wide range of clients, from wedding planners and event managers to corporate clients and conference directors — and any of them can become litigious. The overall success of an event hinges on catering, and your client will be expecting you to deliver. The food needs to taste great, arrive on time, and without any injuries or property damage.

It’s a tall order. An accident in the kitchen may turn into a delicious recipe, but an accident while you’re catering can lead to big legal problems and financial strain. Without catering business insurance, you can be held personally liable for those costs, and they can easily endanger the future of your catering business.

A reliable catering liability insurance policy allows you to keep growing your catering business, accidents and all. Catering insurance protects you from accidents, and their associated legal and medical expenses, which you can incur whether or not you’re found at fault.

That’s right. Clients can bring a lawsuit against you whether or not you did something wrong. Fortunately, a good catering insurance policy can also protect you whether or not you did something wrong.

A good catering business insurance policy is one that includes general liability insurance and professional liability coverage . General liability coverage protects catering companies from bearing the costs related to third-party bodily injury and property damage caused by their work. Professional liability coverage protects you from claims of professional negligence or errors, such as failing to properly train your staff on how to safely serve guests.

Quick thinking insurance for small businesses.

What does Catering Business Insurance cover?

There are many risks unique to catering companies, from spilled beverages to slips and falls. Catering liability insurance protects your business when these accidents end up causing bodily injury or property damage.

Injury

Third-party, non-employee bodily injury

While refilling guests’ glasses at an event, your caterer spills a pitcher of water, just as another guest is walking by. They slip and break their hip.

Property Damage Icon

Third-party property damage

One of your caterers hits the wall of the venue as they are backing up the catering van to park it. Now the venue owner is suing you to recoup the costs of fixing the building.

Defense

Defense costs

A venue notices a spill after the event that results in a huge electric bill. They claim it was your fault, even though you know the spill was created by another vendor. A General Liability policy helps cover the costs of defending yourself against this claim.

Errors

Errors & omissions

Professional liability is included in Thimble’s liability policies for catering companies. With these kinds of claims, your client may sue you for negligence or other errors related to your services. Perhaps your team’s negligence left damage to your client’s kitchen, and they are unable to use it for the following weekend’s event, losing thousands of dollars.

How much does Catering Insurance cost?

The cost of your Catering Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Catering Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much Catering Insurance would cost you and your business, get a quote from Thimble.

Catering Insurance FAQs

How quickly can I get a Certificate of Insurance?

Immediately. Signing up for an insurance policy with Thimble takes only minutes. Once you’ve purchased your policy, your Certificate of Insurance will be sent directly to your email inbox. From there, you can share a copy with potential clients and venue managers.

Many catering clients will want to see your Certificate of Insurance before they officially book you for their event. That’s the best part about on-demand insurance from Thimble: you can purchase your coverage ahead of time, up to six months in advance, and receive your Certificate of Insurance instantly.

If your client ends up cancelling, or choosing another vendor, you can cancel your coverage. You can always cancel your policy with us for a full refund, provided you do so at least one hour before it begins.

Can I get Catering Event Insurance for one day?

Absolutely. With Thimble, our plans are flexible and affordable, designed for growing catering businesses like yours. You can purchase coverage in hourly, daily, and monthly amounts. Secure coverage for the whole day, or just for the few hours when the event is taking place.

How does Single Event Catering Insurance work?

When your catering business is just getting off the ground, you’ll have days when you aren’t catering any events. It may not make financial sense to have a year-round insurance policy, when you can get the coverage you need, just when you need it.

Thimble’s flexible one-day event catering insurance policies cover all the same things as our hourly or monthly plans. The only thing that changes is the term of the policy. When you purchase a day of coverage, you enjoy the standard protection offered by our general liability policies for caterers.

Quick-thinking insurance for fast-moving businesses.

Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.

Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.

Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.

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Get covered in minutes. (Then get to work!)

5 best small business insurance companies in Texas of 2024

In Texas, business is booming. Between December 2022 and December 2023, the Lone Star added 369,600 jobs. According to Texas Economic Development , that’s the highest number of new jobs in the country. 

If you’re one of the millions of business owners in the state, you likely need some form of business insurance to protect your buildings, equipment and workers. Whether you’re an independent contractor who works from home or you own a warehouse with 100 employees, the right small business insurance company in Texas will be able to give you the appropriate coverage your company needs: (view our full methodology ) 

The 5 best small business insurers in Texas for 2024

Best overall: nationwide, best for hazard insurance: the hartford.

  • Best for Commercial Auto: Farmers

Best for Contractor Coverage: State Farm

Best for cyber insurance: travelers.

Over 3 million small businesses are based in Texas, employing approximately 44.5% of the state’s workforce. Top industries within the state include construction, technology, transportation and warehousing — all industries with significant insurance needs. 

We researched leading insurance companies and picked the top five in the state based on their product options, financial stability ratings and customer support. (We also identified the best insurers for small businesses across the whole country): 

About: Nationwide was launched in 1925, so it’s been selling insurance for nearly 100 years. Well-known for its personal insurance products, including personal auto and homeowners coverage, it also sells a variety of business insurance products. Through Nationwide, you can purchase business owners’ policies (BOPs), general liability protection, business interruption coverage and workers’ compensation insurance. 

Nationwide is a top-rated company for customer service. In fact, it was J.D. Power’s pick as the best overall insurer for customer satisfaction in the 2023 U.S. Small Commercial Insurance Study . 

  • AM Best Rating: A (Excellent)
  • J.D. Power Customer Satisfaction Ranking: 1st out of 13 insurers
  • Number of Small Business Insurance Products: 14
  • Customer support: You can get quotes for most business insurance policies online, or you can connect with an agent in person or over the phone. 

Our verdict 

Nationwide is a good choice for a variety of businesses, from farms or ranches to food service operations. It offers multiple BOPs — packages of several common types of business insurance coverage — tailored to specific industries, such as retail BOPs, food service BOPs or auto industry BOPs. 

Nationwide also offers other tools and resources, including a loss control platform. It gives business owners safety and risk management advice from industry experts, including tips for reducing the risk of cyber data breaches and employee injuries. 

About: The Hartford is one of the oldest insurance companies in the country; it was founded in 1810, and it has approximately 19,000 employees nationwide. It sells a range of personal and business insurance products, and it serves over one million small businesses. It offers comprehensive business solutions, including workers’ compensation, property, general liability, professional liability and commercial auto insurance. 

  • AM Best Rating: A+ (Superior)
  • J.D. Power Customer Satisfaction Ranking: 10th out of 13 issuers
  • Number of Small Business Insurance Products: 17
  • Customer support You can reach The Hartford via phone or local agent, and you can get quotes for some business insurance products online. 

The Hartford is best for businesses in areas that are prone to natural disasters, such as hurricanes, storms or floods. According to the National Aeronautics and Space Administration ( NASA ), Texas has the unfortunate honor of ranking first in the nation for the variety and frequency of natural disasters affecting the state. 

Basic business insurance policies often exclude coverage for common disasters like floods, so some businesses may need to purchase separate hazard policies. The Hartford offers robust property coverage options, including basic hazard insurance as well as specialized flood insurance provided through the National Flood Insurance Program (NFIP). It also sells business income insurance, a form of coverage that can help you replace lost income if your business is unable to operate due to property damage. 

Best for Commercial Auto Insurance: Farmers

About: Farmers is one of the largest property and casualty insurers in the country based on direct premiums written. It was founded in 1928, and it has a variety of business insurance products, including property, liability, workers’ compensation, commercial auto and commercial umbrella coverage. Its commercial auto policies stand out because it has specialized options for multiple vehicle types, including passenger vehicles, cargo vans and contractor vehicles. 

  • J.D. Power Customer Satisfaction Ranking: 4th out of 13 issuers
  • Number of Small Business Insurance Products: 7
  • Customer support Farmers’ customer support is available via chat or phone. You can also get quotes or get questions answered by contacting a local agent. 

Farmers is a useful option for businesses that own vehicles or fleets and need commercial auto coverage. Transportation and warehousing is the fifth-largest industry in Texas based on the number of businesses in operation; according to the Small Business Administration, there were over 302,000 transportation and warehousing businesses in the state as of 2022, the last available data in operation.

With Farmers, business owners can get liability coverage and property insurance to protect their vehicles and any equipment in the vehicles, and the company has a range of discount programs that can make commercial auto coverage more affordable, including a discount for vehicles with safety technology features. 

About: State Farm has been in operation since 1922, and it’s a major insurance company that sells both personal and commercial insurance products. It has the best-possible rating from AM Best, reflecting its financial stability and ability to honor its policies and payout claims, and a high rating for customer satisfaction from J.D. Power. 

  • AM Best Rating: A++ (Superior)
  • J.D. Power Customer Satisfaction Ranking: 2nd out of 13 issuers
  • Number of Small Business Insurance Products: 14 
  • Customer support: You can reach State Farm’s customer support team via phone or live chat, or you can reach out to one of the company’s 19,000 agents. 

Construction is the biggest industry in Texas, so we selected State Farm as the best insurer for contractors because of its BOP packages specifically designed for HVAC, fence installation, roofing and painting contractors. These packages combine business personal property, building property, business liability, and mobile equipment coverage. It also has coverage options for when the project is complete; if someone is injured after the project’s finished and holds you responsible, your insurance policy would cover your legal fees and settlements. 

The company also has floaters, also known as insurance riders, you can add to your policy for additional protection for valuable equipment and materials awaiting installation — such as pricey wallpaper or lighting fixtures. 

About: Travelers is the second-largest commercial insurance company based on direct premiums written. It has over 30,000 employees, and it sells insurance products in the U.S., Canada, the United Kingdom and Ireland. Besides basic business insurance policies like general and professional liability, Travelers also sells more specialized products, including cyber insurance policies. 

  • J.D. Power Customer Satisfaction Ranking: 12th out of 13 issuers
  • Customer support: Travelers doesn’t allow business owners to get quotes online, but you can get personalized help through an independent agent. 

Travelers is our pick for the best cyber insurance provider in Texas based on its coverage options and cyber security coaching programs. 

Technology is a growing industry in Texas, with companies like Tesla and Dell operating within the state. And as more companies use online platforms and digital data, there is an increased risk of data breaches. 

Travelers has cyber insurance packages tailored to different business types, such as public entities or technology companies. These policies combine several forms of coverage to provide the necessary protection you may need if sensitive information is compromised. And Travelers’ cyber security coaches can help you navigate the data breach recovery process and even provide advice to prevent a data breach from occurring.

What to know about Small Business Insurance in Texas

As a business owner in Texas, you may need one or more of the following coverage options: 

  • Business owners’ policies (BOP): A BOP is made up of several business insurance products packaged into one simple policy. While BOPs can vary by insurer, they typically include property, general liability and business interruption insurance. 
  • Commercial automobile insurance: Commercial auto insurance is necessary if you own vehicles to ship items or transport clients or customers. It protects you against liabilities that may occur after an accident, and can help you repair or replace the vehicle if it’s damaged or totaled in an accident. 
  • Cyber insurance: Increasingly necessary, cyber insurance provides protection against hackers or data breaches. It covers the cost of notifying customers, providing identity theft monitoring, and any damages resulting from a lawsuit. 
  • General liability: General liability coverage is one of the most common forms of business insurance, and it provides protection if someone is injured while on your business’ property. For example, general liability insurance would cover your legal fees and settlement costs if a customer trips and breaks an arm while in your store. 
  • Professional liability: Also known as errors and omissions coverage, professional liability insurance is for professionals that provide advice or professional services. If you’re sued for negligence, failing to provide the agreed upon services or slander or libel, professional liability insurance would help you with the cost. 
  • Property: Property insurance covers damages or losses related to storms, fires or theft. It can protect your business building, inventory and equipment. 
  • Workers’ compensation: If you have any employees, you may need workers’ compensation coverage. Workers’ compensation pays your employees or their families if they are injured or killed while working. 

Unlike most states, which require all employers with workers to have workers’ compensation insurance, Texas doesn’t have that requirement. Private employers aren’t required to have workers’ compensation coverage unless they contract with government entities. However, going without workers’ compensation coverage is risky, so purchasing insurance may be a more cost-effective approach.

How to choose a Small Business Insurance in Texas

When deciding what coverage to buy and what insurer to work with, consider the following factors that may affect your insurance needs: 

  • Business size: How much coverage you need depends on your business’ size. Larger companies with employees may need additional workers’ compensation or liability coverage. 
  • Business property: Think about any property your business owns. If you work out of a home office or rent a space, you may need less insurance than a business that owns its own retail store, warehouse and vehicle fleet. 
  • Employee safety: If you have employees, workers’ compensation can be a smart investment. Although Texas doesn’t require it, injured employees can sue you, and the legal fees and damages could be significantly more expensive than an insurance policy would be. 
  • Data handling: If you store customer information, such as their mailing addresses or order information, and process payments online, you’ll likely need cyber insurance to protect against data breaches. 
  • Hazards: If your business operates in an area prone to natural disasters like floods or storms, you may need additional coverage like flood insurance.

Frequently asked questions

How much does business insurance cost in texas .

Your business insurance premiums are based on your location, company size, policy type and coverage amount. In Texas, a basic general liability policy ranges from $42 to $450 per month, while workers’ compensation ranges from $30 to $115 per month. 

Is business insurance mandatory in Texas?

Most forms of business insurance are optional in Texas. One exception is commercial auto insurance, which is required for any vehicles used for businesses. Your commercial auto policy must meet minimum liability requirements. Depending on the vehicle size and purpose, the coverage minimum ranges from $300,000 for vehicles transporting household goods to $5 million for commercial vehicles with a gross vehicle weight rating under 10,0001 pounds transporting hazardous materials.

What are the commercial auto requirements in Texas?

In Texas, the state minimum coverage for passenger vehicles is as follows: 

  • $30,000 in bodily injury protection for one person
  • $60,000 in bodily injury protection per accident
  • $25,000 in property damage insurance

Other vehicles, such as large transport vehicles, may require additional coverage based on their size and load type.

Our methodology  

We chose the five best small business insurers in Texas by evaluating companies on several factors, including: 

  • Company financial stability: To ensure companies will be in operation for years to come and afford any claims, we looked for companies with ratings of A (Excellent) or better from AM Best, a credit rating agency that evaluates insurers. 
  • Customer service: Companies that were ranked well in the J.D. Power Small Commercial Insurance Study were given additional consideration, and we also took into account the number of complaints the National Association of Insurance Commissioners (NAIC) received about each company.
  • Availability: We narrowed the list based on coverage options and add-ons available in Texas. 
  • Discounts: Additional preference was given to companies that had discount programs for small business owners. 

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to small business insurance

The 10 best insurance companies for small businesses, 5 best small business insurance companies in california of 2024, 5 best small business insurance companies in new jersey of 2024, a comprehensive guide to small business insurance: here's how to safeguard your company.

Business car insurance shaped around you

Our temporary cover includes business use, which allows you to drive a vehicle for business purposes: 

  • available for 1 hour up to 30 days
  • available on your current car, or a car you don’t usually drive
  • includes social, domestic and pleasure (SD&P) cover as standard.

Nurse with car

How does temporary business car insurance work?

It’s really easy and only takes a few minutes. Just follow these three easy steps:

Fill out the quote form

To complete the quote form, let us know your name, UK address and GB driving licence number. We’ll also need your date of birth, occupation, and the registration number of the car you want to drive.

Dayinsure laptop image

You’ll get a quote

Tell us when you need the cover to start and how long you want it to last.

Buy and off you go!

To finalise the business insurance, you’ll just need your payment information, either a debit or credit card.

Dayinsure SUV with bags

What is business car insurance?

Business car insurance in the UK is similar to regular car insurance – however, it also covers you for several other work-related purposes. With a regular car insurance policy, you’re only covered to drive to and from a single place of work, meaning that you’re not protected if you need to travel between different locations, visit a client, make a sales call or travel with a colleague. So, if you need to do any of those things, you need to add business cover to your policy.

The good news is that business-use insurance is included in our temporary car insurance policy at Dayinsure, which makes it perfect if you’re looking for any temporary business travel support.

business man with case

What does our business car insurance cover ?

  • borrowing a car for work on a day-by-day basis
  • borrowing a colleague’s car or using a company car or commercial vehicle to visit clients or other branches
  • travelling to conferences, meetings and training sessions away from your usual place of work
  • sharing cars and vans between employees so you can split the driving for business trips
  • using a bigger vehicle to transport extra equipment or large items
  • borrowing a vehicle when your business vehicle is in the garage for repairs.

Please note : This will not cover delivery use, door-to-door sales or taxi usage. It also cannot be used on hired vehicles.

business couple driving

Do you need business car insurance on top of your annual policy?

Your regular car insurance policy will cover you to commute to and from a single place of work. Generally, it won’t cover you for anything else related to work travel beyond that. Normally, if you’re planning to use your car for multi-site visits, visiting clients, making sales calls or travelling with a colleague, you’ll need to add business cover to your policy.

Some common examples of annual policies that don’t cover business use:

  • those that cover you just for social, domestic and pleasure (SD&P) use – SD&P only allows you to drive for your own personal use
  • those that have commuting cover already – this often only provides cover to and from a regular place of work
  • those with added named drivers – in these cases, even if the primary driver has business use insurance, the additional drivers will likely only have business cover if it’s been requested.

business woman driving

How can Dayinsure business car insurance help you?

From hourly or one-day business car insurance to a longer policy, our temporary cover is perfect if you’re looking for short-term business cover. Our business car insurance makes a great addition to your regular annual insurance, allowing you to get that all-important protection at low cost.

Dayinsure business car insurance provides comprehensive cover, which means you don’t already need to have any cover on your vehicle to benefit from it. It’s also perfect for when you want to borrow a car  from a family member, friend or colleague.

If you have an existing SD&P policy, you may not want to pay for business use on your annual policy when you only plan to use your personal car on business occasionally. A temporary policy may cost less than adding business cover to your annual package so, if you only need to use your car  for business on rare occasions, temporary business insurance is the answer.

shirted man driving

Why choose Dayinsure temporary business car insurance?

Still deciding whether temporary business car insurance is for you here are the key things you should consider:, looking for business van insurance.

With our temporary van insurance , you’ll be covered for business use as standard, meaning that you’ll be able to use the van for your day-to-day business needs. Perfect for when you need some extra space for a project, or need to borrow a friend or family member’s van for work while yours is in the garage.

Please note : This will not cover delivery use, door-to-door sales or taxi use. It also cannot be used on hired vehicles.

builder sat in van

What Our Customers Say

Trustpilot

Not already insured?

If you don’t already have SD&P cover on the vehicle or you’re not sure what to do, you can purchase our Dayinsure short-term policy. It gives you comprehensive coverage for both SD&P and business use.

Business Woman on Phone

Who is eligible for business or company car insurance?

We can cover most drivers aged 18 to 75 years old, along with many UK-registered vehicles (subject to vehicle and underwriting criteria).

Vans up to 3.5 tonnes gross vehicle weight (GVW) can be covered. You can find out more about our business car insurance acceptance criteria below in our key documents.

Temporary business car insurance policies

How much is business car insurance ?

One of the main benefits of taking out our temporary business insurance is that it offers a great-value solution instead of adding business cover to your regular annual policy. As for how much your business car insurance will cost, that depends on a various factors, including how long you want cover and the type of vehicle you’re driving.

We can give you a quote for your business car insurance cost in a matter of minutes. Simply fill out our quick and easy quote form – we just need a few basic details and when you need the cover to start and end – and we’ll give you a price for your policy.

View key documents

US health tech giant Change Healthcare hit by cyberattack

business insurance for one day

U.S. healthcare technology giant Change Healthcare has confirmed a cyberattack on its systems. In a brief statement Wednesday, the company said it was “experiencing a network interruption related to a cyber security issue.”

“Once we became aware of the outside threat, in the interest of protecting our partners and patients, we took immediate action to disconnect our systems to prevent further impact,” Change Healthcare wrote on its status page . “The disruption is expected to last at least through the day.”

The incident began early on Wednesday morning on the U.S. East Coast, according to the incident tracker.

The specific nature of the cybersecurity incident was not disclosed. Most of the login pages for Change Healthcare were inaccessible or offline when TechCrunch checked at the time of writing.

Michigan local newspaper the Huron Daily Tribune is reporting that local pharmacies are experiencing outages due to the Change Healthcare cyberattack.

Scheurer Health, a healthcare provider in Michigan, said on its Facebook page that it cannot currently process prescriptions through patients’ insurance, citing the “nationwide outage from the largest prescription processor in North America,” referring to Change Healthcare.

Change Healthcare is one of the largest healthcare technology companies in the United States. Change Healthcare handles patient payments across the U.S. healthcare system. The tech giant boasts on its website that it handles 15 billion healthcare transactions annually and that one-in-three U.S. patient records are “touched by our clinical connectivity solutions.”

In 2022, health insurance giant UnitedHealth Group completed its merger of U.S. healthcare services giant Optum and Change Healthcare in a $7.8 billion deal, which allowed Optum broad access to patient records on tens of millions of Americans .

Optum provides technology and data to insurance companies and healthcare services. Both Optum and Change Healthcare are owned by health insurance giant UnitedHealth Group.

When reached by email Thursday, Optum spokesperson Andrew Krejci declined to comment beyond what was published on the incident tracker. Krejci would not say for what evidence Optum has to suspect a cybersecurity incident.

Neither spokespeople for Change Healthcare or UnitedHealth Group have commented.

Late Thursday, UnitedHealth attributed the cyberattack to likely government-backed hackers , without saying which nation state.

Updated with response from Optum, and corrected the start of the cyberattack to early Wednesday.

Read more on TechCrunch:

  • Postmeds data breach hits millions of patients
  • Truepill says hackers accessed sensitive data of 2.3 million patients
UnitedHealth says Change Healthcare hacked by nation state, as pharmacy outages drag on

NBC New York

Here's what's open and closed on Presidents Day 2024 and why we celebrate the holiday

Here's a look at what presidents day is, when it takes place and what will be open and closed, published february 16, 2024 • updated on february 17, 2024 at 1:40 pm.

The U.S. is celebrating Presidents Day Monday and while many will be off work for the federal holiday, they'll also be wondering where they can go and what they can do.

Here's a look at what Presidents Day is, when it takes place and what will be open and closed:

What is Presidents Day and why do we celebrate it?

The earliest iteration of Presidents Day dates back to the 1800s, when the life of first U.S. President George Washington was celebrated each Feb. 22, which was his birthday, according to History.com . In 1885, Washington's birthday became the first to be designated as a federal holiday.

Get Tri-state area news and weather forecasts to your inbox. Sign up for NBC New York newsletters.

Then, in 1971, the holiday was moved to third Monday in February as a result of the Uniform Monday Holiday Act, which was designed to give workers a number of three-day weekends throughout the year. According to the National Archives , the position of the holiday between Washington's birthday and Abraham Lincoln's birthday, which was Feb. 12, "gave rise to the popular name of Presidents Day."

Since Lincoln's birthday wasn't a federal holiday, Presidents Day has become a day to honor both presidents.

When is Presidents Day?

U.s. & world.

business insurance for one day

Trump beats Nikki Haley in South Carolina GOP primary

business insurance for one day

HIV/AIDS activist Hydeia Broadbent, known for her inspirational talks as a young child, dies at 39

In 2024, Presidents Day falls on Monday, Feb. 19.

What's open and closed for Presidents Day 2024?

Because Presidents Day is a federal holiday, many facilities will be closed.

Banks: Mostly closed

Presidents Day is a holiday for the Federal Reserve Bank, meaning most bank locations will be closed. TD Bank stores will be open, though.

Post office: Closed

Because Presidents Day is a federal holiday, USPS offices will be closed.

UPS: Locations open

UPS says "pickup and delivery services are available," on Presidents Day. The company notes that UPS SurePost and UPS Mail Innovations deliveries "will require one additional business days’ time in transit due to the Federal (USPS) holiday."

The UPS Store locations are open, however.

FedEx: Modified service

Though most routes will operate normally, FedEx says it will employ modified service for FedEx Express and Ground Economy for the holiday.

Schools: Mostly closed

Most schools across the country are closed on Presidents Day, with some districts even having off the Friday before the holiday as well.

Grocery stores: Mostly open

Stores like Trader Joe's, Costco and more have said they will operate regular hours. Check your local store for hours.

Retailers and restaurants: Mostly open

While most government functions will not be operating on Monday, most big box stores and restaurants will remain open.

Many major chains will be offering a number of holidays sales in celebration of the day.

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We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

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Business Consultant Insurance: What It Is, How to Get It

Tina Orem

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

1. Think about what risks your business faces

2. determine what policies and coverage amounts you need, 3. decide how you want to shop, 4. compare the providers, 5. buy your policies and schedule recurring reviews.

If you provide advice or services for a living, business consultant insurance may protect you from legal actions, property damage, injuries and other risks that can cause financial losses. Consultants who are sole proprietors could even be personally responsible for damages if they don’t have insurance.

Whether you’re an education consultant, wedding consultant or any other kind of business consultant, you will likely need professional liability insurance and other types of business insurance to cover your risks adequately. There are several ways to buy business consultant insurance, including straight from an insurer or a third party such as a broker or marketplace.

Here are five steps to help you understand the kinds of small-business insurance that business consultants should consider and how to find the right coverage for you.

Looking for tools to help grow your business?

Tell us where you're at in your business journey, and we'll direct you to the experience that fits.

on Nerdwallet's secure site

Before you hand over money for business consultant insurance, think about the risks you face. That can help you figure out your coverage needs.

Here are some examples of specific risks that business consultants may face:

Lawsuits accusing you of giving bad advice. Your legal expenses alone could be thousands of dollars, even if the client drops the claim against you.

Contract disputes over missed deadlines or incomplete work.

Lost or stolen laptops that result in data breaches or lost records.

Fire or damage to your office.

What lawsuits, accidents or natural disasters might affect your business? Factors such as the size of your business, the nature of your work, where your office is, whether you have employees and what kind of assets you have will affect how insurers evaluate your risks.

Here are some types of business insurance for business consulting — and what those policies typically cover.

You may also be able to bundle multiple types of insurance into a business owner’s policy . BOPs usually consist of general liability, commercial property and business interruption insurance, but can be customized to meet your business’s needs.

To get the right business consultant insurance, you have a few options.

Contact providers directly

You can buy business consultant insurance straight from an insurer. If you have simple policy needs and an idea of what you’re looking for, this can be an easy approach. You’ll have to contact companies one by one to get quotes, though.

Can get a quote and buy a policy quickly.

You don’t need to deal with a broker.

Contacting multiple providers for quotes may be time-consuming, especially if they don’t provide the same coverage.

May not get the same level of help as you would from a broker or independent agent.

Use an online marketplace

Insurance marketplaces can speed up the shopping process. First, you give them information about your consulting business and the coverage you’re looking for. Then you get quotes from different insurers and finally, you compare the quotes to find the best deal.

You handle the buying process on your own without having to contact each insurer.

You don't necessarily have to talk to a human if you don't want to.

Marketplaces partner with specific insurers, so you get quotes only from those partner insurers.

Marketplaces don’t underwrite insurance policies, and you might not be able to manage claims or other issues through their systems. The communication among you, the marketplace and the provider aren’t always seamless.

» MORE: Where to get business insurance online

Use a broker

An insurance broker can offer personalized assistance. First, you’ll discuss your needs, and then the broker gets multiple quotes for you from different insurers.

Can help determine what coverage you need.

Work directly with a human for a personalized process.

Saves time by not having to contact providers yourself.

Because brokers typically work on commission, they might try to sell you things you don’t need.

Not obligated to find the lowest rates for your policies.

Some brokers charge fees.

Using a broker will likely take longer compared to an online marketplace or directly contacting providers.

Getting multiple quotes from different providers allows you to find the best coverage for your consulting business. When comparing providers, consider things such as:

Policy coverage. Find out exactly what the policy does and does not cover.

Limits of liability. Understand how much of a loss the insurer will cover. Larger or riskier businesses may need a higher limit.

Price. Know how much the policy will cost and what the deductible is. Understand whether the coverage and liability limits are the same for the policies you’re comparing.

Reviews. The National Association of Insurance Commissioners website shows how many complaints people have filed against a company. Also, read ratings and reviews of each provider before purchasing a policy.

» MORE: Business insurance companies: How to compare options

After you buy your policies, make sure you know when your payments are due and how to manage your coverage — including filing a claim, adding endorsements or requesting a certificate of insurance.

Reevaluate the insurance coverage for your consulting business on an annual basis. When your policies are up for renewal, consider your coverage, costs, customer service and any new risks you face — such as opening an off-site location or hiring employees. Reconsidering your policies will ensure you still have the right coverage for your business.

On a similar note...

Protectivity Logo

Any questions? Call us on 01494 887909

Underwritten by

One Day Public Liability Insurance

For Event Organisers and Stallholders

What does One Day Public Liability Insurance cover?

Here at Protectivity, we offer affordable, specialised policies for one day public liability insurance for event organisers and stallholders . Our policy provides up to £10 million in cover, which gives you financial protection in the event of a claim.

One Day Public Liability Insurance provides cover if a member of the public is injured, or their property is damaged during your event or whilst operating your stall: this can include accidental bodily injury, accidental damage to belongings and accidental death.

Additionally, our policy can help you meet the compliance needs of local authorities, for whom may request that you have a public liability insurance policy to run your event or operate a stall from a particular site. 

To get an instant quote and immediate protection, complete our simple online quote form, or give one of our UK based sales team a call on 01494 887909.

Get an instant quote

Who needs public liability insurance for one day.

If you’re organising an event, or plan to attend one as a stallholder, then public liability insurance is essential. Activities of a temporary nature, such as events, need the protection of public liability insurance, but only for specific periods of time. 

This is where One Day Public Liability Insurance comes in handy, as it delivers the necessary cover without the unnecessary expense of taking out a policy that runs annually.

Why get Public Liability Insurance for a day?

Taking out one day public liability insurance can be vital for events or business enterprises that are temporary in nature. For example, if an event like a village fete is being held on parkland, then public liability insurance for a day puts cover in place that might not exist at other times. Similarly, for market stallholders or street food traders that will operate in different places day to day, these policies can ensure that all eventualities are covered.

One day public liability insurance can also be cost-effective for event organisers and stallholders, as cover can be perfectly matched to the changing requirements of the business. Instead of paying for all-year-round cover unnecessarily, you can buy cover only for the specific times you need it.

How much Public Liability cover do I need?

We provide four different levels of one day public liability insurance: £1 million, £2 million, £5 million and £10 million. The level that is right for your needs will depend on two main factors. 

The first is the size and scale of your event or stall: for example, a major event that has hundreds of attendees and multiple activities may need far more than a small village fete, as the risk of a claim is much greater.

The second is the requirements of the venue owner or event organiser who will likely stipulate that a certain level of public liability is taken out prior to an event being held.

If your venue does not require it but you still wish to take out a policy to give you peace of mind, then it is down to you to decide what the appropriate level of cover is to purchase. 

Why choose Protectivity?

Over 30 years experience.

When you take out Protectivity insurance, you get the peace of mind knowing that we have been providing cover to individuals and businesses for more than a quarter of a century.

Excellent Claims Handling

Our dedicated claims handling team will deal with situation quickly, sympathetically and professionally. 

5 Star Customer Rating

Our policies and claims handling service has been reviewed by thousands of previous customers, who on average rate us 5 star.  

Underwritten by Experts

Our Event and Stallholder Insurance policies are underwritten by AXA XL, one of the world’s leading underwriters of niche insurance products. So, when you take out one of our policies, you know that you’ll be in good hands.

Further information on our policy

If you have any other questions, then feel free to get in touch with our friendly team on  01494 887909 . Our phone lines are open  9am to 5:30pm, Monday to Friday. 

business insurance for one day

The 5 Best DJ Insurance Companies

Thang Truong

As a DJ, you know how to show people a good time. After all, that’s what you do. But in order to continue to provide services for customers, you need to protect the business you’ve built. That’s why it’s important to have DJ insurance.

What Business Insurance Policies does a Full-Time DJ Need?

  • DJ Public Liability Insurance: How is It Different from General Liability Insurance?

DJ Insurance for One Day

How much does dj insurance cost, how to get cheap dj insurance.

We considered a number of factors, such as customer service, claims service, pricing and products. We recommend the following companies. 

  • Simply Business : Best for Affordable Rates
  • RVNuccio and Associates : Best for Instant Quotes
  • Insurance Canopy : Best for Short-Term Insurance
  • Thimble : Best for One-Day Event Insurance
  • Prosight : Best for Professional DJ’s

1. Simply Business – Best for Affordable Rates

Simply Business works with insurance companies such as Travelers , CNA, Hiscox and more to get you the best coverage available. The online quote process is pretty easy, asking us standard questions such as how our business was set up, estimated revenue, and if we currently have insurance. 

For our DJ business in CT, we requested a general liability policy with a $1,000,000 limit and Simply Business gave us this quote in about five minutes:

business insurance for one day

2. RVNuccio and Associates – Best for Instant Quotes

RVNuccio and Associates specialize in event insurance and other specialty insurances. You can get a quote online 24/7,  and you can print certificates of insurance instantly. They work with several insurance companies to provide you with affordable insurance that fits your needs. 

For our DJ business in CT with revenue of $80,000 (the same amount of revenue we used in every quote), RV Nuccio gave us this quote for a general liability policy with $1,000,000 limit. 

business insurance for one day

3. Insurance Canopy – Best for Short-Term Insurance

Insurance Canopy provides you with one-to-three day insurance for just $59. This offers a generous $1,000,000 per occurrence and $2,000,000 aggregate. It should cover you in case of accidents to third-parties, for example, if someone trips over a cord to an amplifier and breaks an arm in the fall. 

Insurance canopy also doesn’t limit how many people can attend your event—the cost is $59 regardless. 

business insurance for one day

4. Thimble – Best for One-Day Event Insurance

Thimble can offer you a $1,000,000 policy that covers bodily injury, property damage, legal defense, and medical payments for just $15.88. You can get a certificate of insurance instantly, and even list additional insured people. 

The only things not included are:

  • Events involving firearms
  • Performing work over three-stories in height

Considering the cost, Thimble is a great option for part-time or one-time DJ’s. 

business insurance for one day

5. Prosight  – Best for Professional DJ’s

Prosight insures roughly half of the top 100 DJ’s. You can get immediate access to your certificate of insurance and you have 24/7 access to policy documents. Since Prosight specializes in insurance for DJ’s, they have an understanding of your unique needs. 

They do have online quoting, but when we tried it we got this:

business insurance for one day

They recommended premium coverage for our DJ business. However, when you put in your information, it’s possible they can give you a quote right away. 

There isn’t a formal policy known as DJ insurance. Rather, DJ’s should look into different policies that protect themselves and their equipment. Below are the business insurance policies a DJ should consider:

General Liability Insurance

  • Commercial Property Insurance

Inland Marine Insurance

Commercial auto insurance.

Sometimes, the venue hosting an event will require you to have insurance. If this is the case, they expect to see that you have general liability insurance . It covers:

  • Third-party bodily injuries
  • Third-party property damage
  • Libel, slander, or copyright infringement

Third-party means anyone who isn’t you or your employees (if you have any).

However, if you only have General Liability insurance, your equipment is unprotected. That means if your equipment is damaged or lost, you could be out of work until you scrape up the money to replace it. Instead, you should look into a Commercial Property Insurance policy.

>>MORE: Best General Liability Insurance for Small Business

DJ Public Liability Insurance: How is it different from General Liability Insurance?

DJ public liability insurance is very similar to general liability insurance. It covers the claims made by the public in relation to your business activities, in this case they are related to your DJ activities. Public liability insurance cover the cost of claims in the following areas: bodily injury, property damage, and legal expenses.

General liability coverage is more comprehensive than public liability insurance. General liability insurance also covers personal and advertising injury. In the US, general liability insurance is the most common business insurance and offered by any business insurance companies. As a DJ, you should just buy a general liability insurance policy and it will cover all of your public liabilities.

Commercial Property Insurance 

Commercial Property Insurance covers:

  • Turntables 
  • Microphones
  • Music collection
  • Digital equipment
  • Multi-players

You could combine your General Liability policy and Commercial Property Insurance into one Business Owners Policy (BOP) , thereby bundling the policies and saving yourself a few dollars. If you rent your equipment, you may not need commercial property insurance. 

Since working as a DJ involves toting your equipment around from venue to venue, it’s also important to get Inland Marine Insurance. 

Inland Marine Insurance covers your gear and equipment when it’s in transit or when it’s anywhere other your place of business. Commercial Property only covers your equipment when it’s in your office or your home—wherever your base of operations is. Inland Marine covers you in case someone steals or damages your equipment. 

Commercial Auto insurance might also be a good idea if you travel from gig to gig in your car or if someone else drives you. 

Commercial Auto insurance covers:

  • Medical payments for you or your passengers
  • Collision covers damage to your car
  • Uninsured motorist or underinsured motorist. In case you are hit by a driver who can’t pay. 

>>MORE: How Much does Commercial Auto Insurance Cost?

What if you only occasionally DJ on the weekends for special events? In that case, you should look into a one-day event insurance policy. 

A one-day event insurance policy is a general liability policy that lasts for one-to-three days. They can cover:

  • Music festivals
  • Corporate events

What doesn’t DJ Insurance Cover?

If you get a one-to-three day General Liability policy, please note that your equipment is not covered. If you rent equipment or use the venue’s equipment, this would be fine. If you own your own equipment, you’ll want to look into Commercial Property insurance, which is not available as a one-day policy. 

>>MORE: Top 5 Equipment Rental Insurance Companies

Insureon estimates that a general liability policy for a DJ costs about $427 annually, or about $36 a month.  If you add other insurance policies, such as Commercial Property or Inland Marine, it will be more. 

Insurance Canopy offers a one-day to three-day DJ policy for $59.

The best way is to compare quotes from a few insurance companies to ensure that you get the cheapest quote. Comparing quotes with a digital commercial broker like CoverWallet or Simply Business is a great way since you can get quotes from several companies at once.

You also might want to get coverage for just a few days, instead of permanently and pay premiums monthly, if you only perform as a DJ part-time or occasionally.

Last Thoughts

Professional (or even occasional) DJ’s have to be able to entertain crowds and make sure everyone is having a good time. Don’t risk your business, even if it’s only an occasional business, by not having adequate insurance. You depend on your equipment, and every business person needs general liability insurance. That will help ensure that you keep the party going. 

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Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

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Think you know what the top scam of 2023 was? Take a guess

Facebook

Every day people report to the FTC the scams they spot. Every year, the FTC shares the information we collect in a data book which tells a story about the top scams people tell us about – so we can all spot and avoid them.

The Data Book tells us that people lost $10 billion to scams in 2023. That’s $1 billion more than 2022 and the highest ever in reported losses to the FTC – even though the number of reports (2.6 million) was about the same as last year. One in four people reported losing money to scams, with a median loss of $500 per person. And email was the #1 contact method for scammers this year, especially when scammers pretended to be a business or government agency to steal money.

Here are other takeaways for 2023:

  • Imposter scams. Imposter scams remained the top fraud category, with reported losses of $2.7 billion. These scams include people pretending to be your bank’s fraud department, the government, a relative in distress, a well-known business, or a technical support expert.
  • Investment scams . While investment-related scams were the fourth most-reported fraud category, losses in this category grew. People reported median losses of $7.7K – up from $5K in 2022.
  • Social media scams . Scams starting on social media accounted for the highest total losses at $1.4 billion – an increase of 250 million from 2022. But scams that started by a phone call caused the highest per-person loss ($1,480 average loss).
  • Payment methods . How did scammers prefer that people pay? With bank transfers and payments, which accounted for the highest losses ($1.86 billion). Cryptocurrency is a close second ($1.41 billion reported in losses).
  • Losses by age . Of people who reported their age, younger adults (20-29) reported losing money more often than older adults (70+). However, when older adults lost money, they lost the most.

Check out the graphic for the top scams of 2023. Read the 2023 Data Book for more details and to learn what happened in your state.

A scammy snapshot of 2023

Want to protect yourself, your loved ones, and your communities from scams? Go to ReportFraud.ftc.gov to report fraud. Reports like yours help law enforcement take action with education and enforcement. By reporting what you see and experience, you can help protect your community.

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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

  • We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.
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  • We won’t post threats, defamatory statements, or suggestions or encouragement of illegal activity.
  • We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. To file a detailed report about a scam, go to ReportFraud.ftc.gov.

We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. The comments posted on this blog become part of the public domain. To protect your privacy and the privacy of other people, please do not include personal information. Opinions in comments that appear in this blog belong to the individuals who expressed them. They do not belong to or represent views of the Federal Trade Commission.

Thank you for sharing information that I was not aware of. When people take pleasure in being deceitful! You can no longer trust in laws (especially) or your own family. The more J know the more I am aware of protecting myself and helping others as well!!

I think Congress should pass a bill to penalize the scammers.

In reply to I think Congress should pass… by Hi Nguyen

Thoroughly agree with Nguyen- scammers should be punished/penalized for their crimes. If Congress is required to do so, then Congress should pass the necessary laws to make this happen. Peter

In reply to Thoroughly agree with Nguyen… by Peter

You’re right

I think there are laws but the problem is finding out who and where they are.

In reply to I think there are laws but… by Wren

If they would hold some of the social media platfroms accountable for thier lack of care about any of these issues it would help a lot. Hackers are allowed to use accounts to scam people freely.

Yes definitely they should put them in jail longer than other crimes because it affects you mentally and socially more than a in person crime . This is because you do not know in reality who did the scam. The scammers are working with the person in the scam to rob you. Is gang stalking.

Can’t penalize foreign nationals who reside in foreign countries unfortunately

what a great idea. Robocalling already is illegal but doesnt seem to stop them. MOST coming from Jamacia. Only reason I know that is b.c I did the no no of calling back and it was on my phone bill

Thank you for the information!

I’m surprised that text messages wasn’t listed as a means of fraud or attempted fraud. I get phishing texts the most, followed by phone calls. Lately, I’ve received a few emails with a PDF attachment that is an alleged invoice. I don’t open it. It’s very interesting to watch the scammers attempts to get information or money from me. I’m already a victim of identity theft due to some major data breaches in 2021 to current, so I’m especially careful.

In reply to I’m surprised that text… by MN

Absolutely agree with MN. The phone calls start at 8:30 AM with so-called Medicare plans, or now it's Credit help! 99% of the time I don't answer. It doesn't stop there text comes in with "Hello how are you?" From some unknown number. I print them out in the event that someday I can help catch these creeps.

In reply to Absolutely agree with MN… by Bette Burton James

Bette if you receive the calls on your mobile phone you can block them. If you have an iphone, after the call ends, go to RECENTS, click on the i (information) button, scroll down to the end of the info and click on Block this Caller Forewarning though, they just have another number they can use :-\ Any number you don't recognize, don't answer . . . if it's legit, there should be a message, no message it's not legit. Unfortunately this doesn't stop the robocalls - I've blocked over 1,000 on my iphone in the last year. Good luck!

I've been gettng over 50 "lewd and suggestive" emails every day. I have blocked these and as of this morning there were over 199. Can this list be sent directly? They are insulting, and I would rather forward this to you, if possible.

Enid Hurwitz

In reply to I've been gettng over 50 … by Enid Hurwitz

call the opt out # for robocalls.... google it, it's everywhere... there must be an opt out for spam emails also. ask FTC and FCC and any other agency to report. This may stop it completely...if you're serious. sounds awful. good luck!

Thank you. Very important info!

So, My comment is simple---why isn't there more done to stop this? You have the most sophisticated people people working within the US---there should be a cure for this--shame on America for not having the answer!!!

In reply to So, My comment is simple--… by Deborah K Grimm

if this govt wold only pay folks like Snowden more than they've already made, have him and those like him work for the gov, we'd be In much better shape.

I have brighten a few items on line and got scared. It is hard to tell the difference between a legit company and a phoney one.

My 90 year old trusting and naive Mom has been sending 50 + small checks a month to various 'non-profits' associated with USA Cash Draw and other socalled million dollar sweepstakes. The operation is associated with many unfamiliar 'non-profits', giving her the idea that she is helping folks while assuring she will win at least one of the 20,000 prizes. She does not read the fine print, which has a deadline for a specific draw. However, she is already in the habit of sending 'gifts'. Examples are Citizens behind the badge, advancing American freedom, Fund for integrative Cancer treatment and some familiar ones like Am Against Drug abuse.

A second issue is all the political solicitations (she gets six to 12 inch stacks of mail per day. Some scare tactics of Lawyers requesting money - "they have put her on an important congressional committee" that leads her to believe without her money the political job wont get done. I think This is abusive of her and misuse/disrespectful of free speech. Nevertheless, being a generious person and wanting to help, all the solicitation become a burden and upsetting to this senior. Help!

Thank you Patricia Sargent

thanks for the great work you do....I am seeing lots of iCloud scammers trying to get me to reply to emails saying I have won a prize from big name companies like CVS, Lowes, etc .,,, I delete but would like to start reporting these....I am trying but can't figure out an easy way to report these scammers.

In reply to thanks for the great work… by Bess H Parks

Most big companies have email addresses you can forward scam emails to. You can open the companies' legit webpage & search for scam addresses or customer service. Always good to report to FTC as well.

I would add aggressive sales practices from car dealers to the list, the CARS act does not go far enough to protect consumers.

Publishers clearing house scammers keep calling my home. I cuss them out,hang up on them,etc. and it doesn't stop them from calling.

Thought ID theft has highest losses. ?

Why don't we have a govenment service to locate, arrest and shut them down.

Thank you for this information. We seniors are particularly vulnerable to scammers, and this helps us a lot.

I just contacted the FTC because I got a scam e-mail telling me my Social Security Number was used for Drug Trafficking in Texas and New Mexico! I don't even live anywhere these states! FYI... NEVER click on or open these scam e-mails!

I hope law enforcement is treating this like the huge crime wave it is. It is more than an inconvenience or annoyance. I hear stories of people loosing their life savings.

In reply to I hope law enforcement is… by Nancy Sheran

I agree, it should be considered a form of terrorism tbh. It's attacking US citizens and instilling fear and threatening, isn't that supposed to be terrorism? Whoever is the kingpin of these things should be sent to Guantanamo. It's costing tax payer dollars, counted a ton of the victims are on public assistance. So if our legislation doesn't think this is an attack on us from foreign soil and domestic. They are not thinking or looking at this bigger picture. Our economy is suffering because of scammers on this global scale and something definitely needs to be done. Educate citizens, if you're on public assistance maybe there should be restrictions on the monetary usage? Someone needs to come up with a logical bill for us to vote on. This is getting extreme especially with the ones SWATTING grandma. THAT IS USING OUR OWN DEFENSES TO INSTILL TERROR ON CITIZENS! So yes, I agree with you.

I report most of the email scams, but it takes time. It would be much easier if your program would allow us to forward these without going through the reporting portal. It is a constant battle. I have a call screen on my phone so never answer something I don't recognize, but I have seen texts that I have to block as I know they are scams. There really needs to be a crack down task force working on this. Lots of them are from out of the country.

Emails for payments to Geek Squad, Renewal charges for anti-virus programs like McAfee & Norton, I've dumped & blocked hundreds of them.

It is basically impossible to block the spam emails. Yes, they can be reported to the FTC but only individually, and the form is time consuming. EVERY spam email will have a different phony “From” email, even if there are multiple ones that appear to be from the same sender with same subject matter. There is absolutely no way to stop them. All advice says to just delete them - don’t open or reply. I was getting over 1000 spam emails daily, but interestingly that dropped to about 100-150 daily when I got a new phone. I check and group delete several times a day. Text messages (phone numbers) can at least be blocked. I also refuse cookies or modify them to “strictly necessary”; turning off all marketing and promotional settings. I agree that more aggressive measures are needed.

I have been getting emails from different vendors like Norton security thanking me for the purchase of their service on the day and time of the transaction mostly everyday with different names on them with a phone number for me to call them if I have any questions of the transaction. I just delete them and I have not reported them yet but I will now. Another thing that I have experienced is mostly all the people who walk in front of my door to try to sell some product or service without any proof of the company they represent are fraud and try to get my name and phone number for them to call me later but I do not give it to them. I do not trust no one at all. I get phone calls wanting to know if I have any Master Card and ask me to give them my name and date of birth to make sure it is me and I just hang up on them. I hope this helps somebody and make sure to put a Fraud Alert on your credit report with any of the 3 Credit Bureaus Like Experian.

Consumer education has no chance against fear and greed so ignorance and naivete will continue. Perhaps if the telco's had strong protection against SIM swaps and banks provided more than the weakest forms of 2FA we might have a fighting chance before the data brokers sell our PII to anyone with a credit card.

Please include Scam GAMES claiming PayPal or Cash App payouts. I've followed the game rules and watched HUNDREDS of ads, and as soon as I reached enough to get paid, the site stalls never to reopen, or they want you to do tasks, like spin the wheel 100 times and the error page pops up saying come back tomorrow day after day... granted all that is lost is time, but time is money!

Someone called me today at 5:28 PM, on February 14th, from: caller ID; YELLOWST, 1-307-227-9080, and ask if this was Stephen? They said "Stephen, is this Stephen", I replied "yes this is Stephen". They said then "have a good rest of your day" and abruptly hung up. I searched the number on the internet to try to find out who it was, could not find anything out without paying a fee. So I called them back within about three minutes, it rang a few times then went to a busy signal, I tried twice later that same evening, and got the same answer. I am wondering what kind of scam this is.

How can I know this site isn't a scam?

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