Special Event Insurance or One-Day Event Insurance is there to protect you or your business in the event of losses due to cancellation, property damage, or injury occurring at your event.
What does Special Event Insurance cover?
If you or your business is hosting a 1-3 day event, Special Event Insurance can protect you from potential financial losses due to:
Any number of issues can result in your event needing to be canceled or postponed. These can result in lost deposits or other fees due to needing to reschedule with the venue, caterer, photographer, and the like.
Property damage or injury
Event liability coverage can help cover your costs should any damages occur to the property or buildings at the venue hosting your event. It can also help cover the medical expenses of guests who suffer bodily injury at your event if you are found responsible. Some venues will require liability insurance in order to host your event.
The types of events covered by Special Event Insurance include:
- Baby showers
- Birthday parties
- Religious celebrations
- Anniversary parties
- Car shows
- School dances
- Award presentations
- Graduation parties
- Job fairs
What isn’t covered by Special Event Insurance?
Not all events are eligible for coverage, depending on the size or if the event will not be at a single location. Some public events such as sporting events or recitals might not qualify for coverage. If alcohol is being served at the event, liquor liability insurance should be included as well. Weather insurance should be considered as well, to protect against losses due to inclement weather.
The coverage required can vary from event to event, so we recommend speaking to one of our agents to go over the details of your event so we can find the best, most affordable coverage that fits your needs.