Balloon Business Insurance

business owner protected by balloon business insurance

Be Ready for Whatever Pops Up With Balloon Business Insurance

Whether you’re crafting intricate balloon arches or beautiful bouquets, balloon business insurance solutions are designed to help protect you from the unique challenges of your profession. With comprehensive coverage options, you can stay focused on bringing joy without letting worries deflate your confidence.
 
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business owner protected by balloon business insurance

What Is Balloon Business Insurance?

Balloon insurance is made up of different types of business insurance coverages to help protect your business from risks it faces every day. These options can help cover claims related to accidents, injuries or damages that can happen while you’re decorating event spaces or bringing your customers’ vision to life.
 
As a seasoned professional, you always have extra balloons on hand in case a few pop in an archway. Shouldn’t your business have a backup plan, too? Whether you’re making arches or are a balloon twister, insurance coverage can better prepare you for things like:
 
  • Customer injury
  • Personal injury
  • Property damage
  • Stolen equipment

Why Might You Need Balloon Business Insurance?

Your business is all about creating joy, but even the most carefully planned events come with risks. A helium tank could tip over and damage the venue’s floor or a client might claim your setup caused an injury. Without insurance, these incidents could lead to costly claims that can hurt your business. Balloon business insurance helps protect you from the financial impact of these scenarios, so you can focus on making events unforgettable.
 
Having the right type of insurance can help protect your business if:
 
  • A guest is hurt by your installation or equipment
  • Accidental property damage occurs at a customer’s home or business
  • A dissatisfied client files a claim over a service issue

What Type of Insurance Do I Need for a Balloon Business?

Many balloon twisters and decorators have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims like injury, theft and property damage.
 
A BOP includes: 
 
General liability insurance to help protect your balloon business from claims that it caused bodily injury or property damage to others. For example, a guest might trip over your balloon art stand at an event and get hurt.
 
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your balloon business. These can include:
 
  • Helium tanks
  • Portable air compressors
  • Balloon pumps
  • Balloon arch frames
  • Weights, ribbon and string
  • Storage bins and shelving
Business income insurance to help replace lost income if you can’t operate your balloon business temporarily because of property damage caused by fire, theft or wind.
 
At The Hartford, we know every balloon artist has specific needs. So, we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection. These include: 
 
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Be protected from unexpected incidents, so you can focus on making every celebration memorable, no matter what situations arise.
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How Much Does Balloon Business Insurance Cost? 

The average costs The Hartford’s small business customers in this industry pay for common types of coverage are:**
 
  • BOP: $1,525 a year, or about $127 a month
  • Stand-alone general liability insurance: $531 a year, or about $44 a month
  • Workers’ compensation insurance: $1,383 a year, or about $115 a month
It’s important to note that the cost of your balloon business insurance may vary from the average. Every business owner has specific needs, and insurers may consider several factors when determining rates. The best way to find out your exact balloon insurance cost is to get a quote.
proof of balloon insurance

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Covering Your Operations

You’re focused on creating unforgettable balloon displays and making every event shine. But what happens if a partygoer gets hurt or you damage a venue? The right type of insurance can help protect you from disruptions, so you can keep your operations afloat. 
From 2015 to 2025, slips and falls were the third-most common claims small business owners faced.1
general liability for balloon businesses

General Liability Insurance

“We were setting up a big balloon arch for a party when a guest slipped on some deflated balloons and fell hard. He needed to go to urgent care for treatment.”
 
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
EPLI for balloon businesses

Employment Practices Liability Insurance (EPLI)

“My assistant filed a formal complaint, saying I didn’t pay her the overtime she was owed. Suddenly, I was facing a legal dispute that could cost me my business.”
 
Employment practices liability insurance (EPLI), which is included in a BOP, helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. The Hartford’s coverage can also help cover third-party claims.

Taking Care of Your Team

Your employees are integral to the success of your balloon business. Whether they’re setting up displays or coordinating with clients, they keep your business thriving. With the right coverage, you can help ensure they're protected, so they can focus on your customers.
Ergonomic injuries make up 33% of all worker injuries in the U.S.2
workers compensation for balloon businesses

Workers’ Compensation Insurance

“One of my team members had severe back pain after a long day of setting up events. Turns out she strained a muscle and needed physical therapy and time off.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages. With The Hartford, your employees have access to more than 1 million providers and over 65,000 pharmacy locations.
commercial auto insurance for balloon businesses

Commercial Auto Insurance

“When we got to the venue to set up for a bridal shower, my decorator accidentally backed the company truck into the building.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into an accident while driving a business-owned vehicle for work.

Protecting Your Property

Your business depends on essential equipment, like helium tanks, balloon pumps and décor frames, to bring your creative displays to life. But what happens if your tools or inventory are stolen, damaged or lost? The right insurance helps safeguard the equipment you rely on.
On average, a fire department responds to a fire every 23 seconds in the U.S.3
commercial property insurance for balloon businesses

Commercial Property Insurance

“Someone broke into our storage area and stole our air compressors. Those machines aren’t cheap and replacing them out of pocket would’ve been a huge hit to our budget.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or theft.
business income insurance for balloon businesses

Business Income Insurance

“A fire broke out in my studio, destroying all of my inventory – balloons, supplies, everything. I had events lined up for weeks, but with no materials, I couldn’t fulfill a single order, and I had to give refunds.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if your business is unable to operate temporarily due to a covered property loss.

Frequently Asked Questions About Balloon Business Insurance

Balloon business insurance is made up of different coverages designed to help protect you from the various claims you may face. For example, if a windstorm damages your outdoor balloon installation, commercial property insurance can help cover repair costs. Additional coverage options can also extend protection to the vehicles you use for deliveries and transportation as well as your tools and equipment. Plus, with specialty coverages like cyber insurance, even your databases of customer info can be better protected from threats. 
Your balloon business needs insurance to help protect it from property damage and liability claims that can arise unexpectedly. Without it, you might have to pay out of pocket for legal fees or damages. In addition, some states may require you to carry specific types of insurance, such as workers’ comp, if you have employees. Having the right coverage ensures you stay compliant while helping to protect your business.
The best way to get balloon business insurance is to get a quote from The Hartford. We make it easy for you to get a fast and free insurance quote online.
company able to do business after getting balloon twister insurance quote

Keep Your Business Soaring With Balloon Insurance

Get coverage to protect your balloon business, so you can keep making magical moments.
 
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Related Articles

 
 
Last Updated: December 18, 2025
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top 5 Small Business Claims”
 
2 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being"
 
3 National Fire Prevention Association, “Fire Loss in the United States”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
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Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
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