Whether you’re planning a small private gathering or a major public event, RVNA covers it all with the best price and flexible terms getting our nod for the overall best.

It’s rare to find an insurer that offers equally great coverage for events of all sizes, but RVNA manages just that. These flexible policies start at just $50 and host liquor liability. Additional production coverage is available through over a dozen different riders.

RVNA sets itself apart from the competition in several ways. The company’s standard policy includes coverage for terrorism, which isn’t normally covered by event insurers. RVNA is also the only event insurance company we came across that allows hosts to cancel their liability policy. Full refunds are issued as long as cancellation is requested in writing at least 48 hours before the start of the event.

There are very few downsides to RVNA. Policy changes can be made through the online policy management system. Property damage claims require the host to pay a $2,500 deductible, which is fairly high for the industry.

With Eventsured’s straightforward online quote tool, you can purchase liability coverage for more than 500 types of events in minutes. It’s the fastest way to get event insurance. Why spend days waiting for policy documents when you can get them from Eventsured in minutes? Both private and corporate hosts can use Eventsured to purchase coverage for a wide range of events without going through a lengthy underwriting process. Simply fill out the online application and you’ll have your policy document sitting in your email inbox within minutes. The company will even issue you a general liability policy up to the day before your event. Of course, there are some caveats. Eventsured requires you to purchase host liquor liability coverage by including it in every policy premium, regardless of whether you intend to serve alcohol at your event.

Special event liability insurance up to $3 million with all Philadelphia Insurance Companies policies, offering the best solution for hosts with high coverage needs.

Standard event insurance from Philadelphia Insurance Companies includes aggregate liability limits of $3 million, multiple times what competitors offer, making it best for high limits in our review. If that’s not sufficient, hosts with high-value assets can secure additional protection by extending event policies with umbrella coverage. While it may require a lengthier underwriting process, there doesn’t appear to be any limit to the number of attendees; we were able to secure online quotes for a million or more event goers.

Although Philadelphia Insurance Companies is a great option for large events, the minimum $3 million liability limit may be overkill for private gatherings. The cheapest policies available start at $175 for liability coverage, around twice what you might pay for a more appropriate limit for smaller events.

While Philadelphia Insurance Companies insures hundreds of different events, the company does list several that are ineligible for coverage. These include high-risk sports events, live animal attractions, specific concert genres, and amusement-style rides.

Markel’s low-cost event policies include discounts for bundling coverage and free information resources, a better value than any other carrier.

Many event insurance companies require hosts to pay for a minimum of $1 million in liability coverage, but for smaller gatherings, this amount may be more than you need. Selected as the best value in our review, Markel sells event insurance with liability limits starting at $500,000 for a price of just $75, helping you save by not overpaying for coverage. You’ll even save an additional 15% by bundling an event liability policy with an event cancellation policy.

Cancellation policies are available in all 50 states and can be purchased by U.S. residents for destination events in Canada, the United Kingdom, Mexico, and several Caribbean islands. Liability coverage is also offered for events taking place on cruise ships departing U.S. ports. One downside is that event hosts must pay a $1,000 deductible for property damage claims, although the deductible on cancellation policies is much more affordable at just $25.

Hosts will find pages of free resources that will help walk you through the party planning process, from creating a budget to making your event eco-friendly. You’ll even find lists of questions to ask vendors like caterers and florists to make sure you’re getting the most out of their services.

Not only will Travelers representatives take your call 24 hours a day, but this event insurer also offers the best customer service of all the providers we reviewed. Everyone values different types of customer service; some prefer digital convenience while others want the personalized attention of an agent. Travelers offers the best of both worlds with event insurance that you can purchase online in minutes or through an insurance expert in your area. Representatives are available by web chat during business hours and the Travelers customer advocacy line is open 24/7.

Travelers policies are based around a core coverage plan that starts at $160 for up to $250,000 in coverage. The plan bundles coverage for cancellation, photography, lost deposits, and theft or damage of items like gifts, attire, and jewelry. Optional event liability insurance is available at a minimum of $165 for $1 million in coverage, although this policy can’t be purchased on its own.

You should also keep in mind that Travelers event insurance is designed for private invitation-only events like weddings, family reunions, and holiday parties. The company won’t cover events like corporate parties or ticketed fundraisers.

Most event insurers provide wedding insurance, but WedSafe offers the best tailored coverage expressly for those planning their nuptials. With liability and cancellation coverage for backyard ceremonies and tropical destination weddings alike, it’s easy to see why WedSafe is a highly recommended option by wedding sites like The Knot and WeddingWire.

Policies are underwritten by Nationwide, with coverage starting at $500,000 in general liability insurance. Coverage is available in all 50 states as well as the United Kingdom, Canada, Mexico, and many Caribbean destinations, although you’ll need to be a U.S. resident no matter where your wedding is held.

As wedding plans can change quickly, WedSafe’s policies are flexible enough to accommodate last-minute alterations. Cancellation coverage can be purchased as soon as 15 days before the date, although if you do need to call things off, you’ll have to supply a valid reason (such as severe weather or illness). The policy won’t reimburse lost deposits just because someone gets cold feet.

From conventions to company retreats, USLI covers corporate events that other insurers won’t touch and is our top choice for policies for corporate events. Getting insurance for a wedding or private party is a breeze, but corporate hosts often need specialized policies from insurers like USLI for sufficient event coverage. Whether your company is planning a large trade show, a charity fundraiser, or an employee gathering, USLI’s event insurance plans can be tailored to fit your needs. Coverage is available for up to 20,000 attendees.

USLI also offers several unique types of additional coverage that might be particularly interesting to corporate hosts. For example, prize indemnity insurance can be purchased for charity golf contests up to a $50,000 limit per hole; the insurer will even donate an additional 20% of the prize amount to the charity recipient.