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Calcimator

Event Cancellation Insurance Calculator

Estimate event cancellation insurance premiums from total event cost, event type, attendance, and risk factors.

Inputs

%

Results

Total premium ($)

$921.67

≈ 7 pairs of sneakers

Base premium ($)$921.67
Disease coverage add-on ($)$0.00
Premium rate (%)1.84%
Maximum payout ($)$47,500.00
Cost per attendee ($)$4.61
How to Use This Calculator
  1. Enter the total non-refundable event expenses (venue, catering, entertainment, decor).
  2. Set the number of days until the event.
  3. Select the event type (wedding, concert, corporate, sporting).
  4. Review the Recommended Coverage Amount and the Estimated Premium range.
  5. Add weather or vendor cancellation riders if the venue is outdoors or relies on a single supplier.

How the result changes with Total event cost ($)

Total event cost ($)Total premium ($)
5,000,900$92,184.01
17,500,650$322,597.94
32,500,350$599,094.66
45,000,100$829,508.59

What each input means

Total event cost ($)
Total non-recoverable expenses if the event is cancelled (venue, catering, performers, etc.).
Event type (0-4)
0 = Indoor corporate, 1 = Indoor social/concert, 2 = Outdoor with tent, 3 = Outdoor open-air, 4 = Multi-day festival.
Expected attendees
Anticipated number of attendees — larger events carry slightly higher rates.
Deductible (%)
Percentage of event cost you self-insure — higher deductible lowers premium.
Disease coverage (0/1)
1 to add communicable disease / pandemic coverage (adds ~40 % surcharge).
Days until event
Number of days until the event — purchasing under 30 days out incurs a surcharge.

What each result means

Base premium ($)
Core cancellation insurance premium before add-ons.
Disease coverage add-on ($)
Additional premium for communicable disease coverage.
Total premium ($)
Total estimated premium including all coverages.
Premium rate (%)
Premium as a percentage of total event cost.
Maximum payout ($)
Maximum claim payout after deductible.
Cost per attendee ($)
Insurance premium divided by expected attendance.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Total event cost ($) = 50000, Event type (0-4) = 0, Expected attendees = 200, Deductible (%) = 5 = 6 input(s) provided
  2. Calculate Total premium
    Total premium = basePremium + diseaseSurcharge
    921.67 = $921.67
  3. Calculate Base premium
    Base premium = totalEventCost * baseRate * typeMult * timingFactor *
    921.67 = $921.67
  4. Calculate Disease coverage add-on
    0 = $0

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