Special event insurance

Special event insurance is a type of insurance designed to protect individuals and businesses who host unique, planned events from financial losses due to unexpected problems. Whether you’re planning a wedding, corporate gathering, festival, fundraiser, or concert, special event insurance helps cover losses related to cancellation, liability, weather, vendor issues, and other covered incidents.

This coverage gives you peace of mind by reducing risk and protecting your investment in the event.

What Is Special Event Insurance?

Special event insurance is a temporary insurance policy that provides coverage specifically for an event on a set date. Unlike annual business policies, special event insurance is purchased for the duration of the event and can include multiple coverages depending on what you need and the type of event you’re hosting.

Common Coverages in Special Event Insurance

Event Cancellation or Postponement
Protects your investment if the event must be cancelled or postponed due to reasons such as severe weather, illness, vendor bankruptcy, or unexpected venue issues.

General Liability Insurance
Covers third-party bodily injury and property damage claims that happen at your event, such as a guest slipping and falling.

Liquor Liability Insurance
Provides protection if your event serves alcohol and an alcohol-related incident leads to injury or damage.

Weather Insurance
Pays a benefit if severe weather forces cancellation or disruption of the event.

Vendor and Supplier Issues
Helps cover losses if a key vendor fails to show up or cannot provide contracted services.

Special event insurance can be customized to include the coverages that best match the exposures for your event.

Who Needs Special Event Insurance?

Special event insurance may be valuable for:

• Weddings and receptions

• Corporate functions and conferences

• Festivals and fairs

• Fundraisers and galas

• Concerts and performances

• Sporting and community events

Any event with financial investment and risk exposure can benefit from coverage.

When to Buy Special Event Insurance

You should consider purchasing special event insurance as soon as you’ve booked major vendors, venues, or made non-refundable deposits. Early purchase often ensures coverage for more potential issues, including cancellation for covered reasons.

How Much Special Event Insurance Costs

Cost varies depending on:

• Type and size of event

• Event location and expected attendance

• Coverages selected and limits chosen

• Duration of event

• Claims history and risk profile

Special event insurance is generally an affordable way to protect a significant financial investment.

Frequently Asked Questions

What is special event insurance?
Special event insurance is temporary coverage that protects events from financial losses due to cancellation, liability, weather, and other covered issues.

Does event insurance cover cancellation?
Yes. Event cancellation coverage reimburses non-refundable costs if the event must be cancelled or postponed for covered reasons.

Is liability insurance included?
Many event policies include general liability, which protects against third-party bodily injury and property damage at the event.

Do I need liquor liability?
Liquor liability is recommended if alcohol will be served, as it protects against alcohol-related claims and injuries.

Will weather insurance cover rain?
Weather insurance may cover severe weather that forces cancellation or disrupts the event; coverage depends on the specific weather conditions listed in the policy.

Can vendors be covered if they fail to show?
Yes. Some policies include vendor non-appearance coverage to help protect against losses when key vendors do not perform their contracts.

Final

Special event insurance helps protect your financial investment and reduces risk for weddings, corporate functions, festivals, and other gatherings. With over 30 years of experience helping event hosts understand coverage options, we provide guidance to find the right protection for your unique event needs.

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