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Single Special Events Liability Insurance


Then, enjoy the peace of mind that comes from knowing you are covered by a great special event insurance policy. Most events are covered through an annual policy with Protect Your Nonprofit by RVNA. However, your annual policy only covers the providing of alcohol if there is no charge or money received by your group. If your group is planning an event, such as a silent auction, you can purchase liquor liability through our special event website. At competitive events across the nation, lawsuits are being filed for bodily injury of others, property damage to rented premises, and general negligence of participants.

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She was so gracious and empathetic, that it felt like she really cared about my baby shower! Thank you Ami for your help and knowledge of the product. Many vendors do not offer refunds regardless of the reason for cancellation or postponement. If your home isn’t insured to its estimated replacement cost, your homeowners policy may not cover the full cost to rebuild. Any claim for cancellation or postponement expenses directly or indirectly due to COVID-19-related circumstances will not be covered. 1 Tell us about your event Enter your contact info, venue location & basic details about your event.2 Review & Purchase Policy All major credit cards are accepted.3 Download documents You’re done!

Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of booking a caterer that can’t accommodate a client’s dietary needs, it could help cover related expenses to defend yourself. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear.

Products are underwritten by Nationwide and its subsidiaries in partnership with K&K Insurance, a leading provider of sports, leisure and entertainment insurance services.

Access tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life. This information is designed to help you with contractors liability insurance your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you.

Insurers that sell special events policies to small businesses may offer a per occurrence limit up to $5 million. The Special Events product from Westchester Small Business offers broad coverage on a standalone policy for individuals and business entities with special event exposures. General liability and liquor liability coverage is available for a multitude of event types and activities, with special pricing and coverage offered for host exposures. Event insurance covers loss or damages caused by vendors, guests, or performers attending an event. It is your protection from lawsuits that arise as a result of these injuries. If this is your first time purchasing special event insurance we understand the process can be confusing.

Waiver of Subrogation is an optional endorsement available when purchasing Event Liability Insurance. It is needed if a rental agreement requires such an endorsement. When a Waiver of Subrogation Endorsement attaches to an Event Liability Insurance policy, the insurance carrier cannot seek restitution from a third party. Without a Waiver of Subrogation, your insurance carrier may choose to sue a third party to recover the amount of a claim paid if the loss was caused by that third party — this is called subrogation.

For example, USAA could provide member advantages in addition to the wedding insurance itself. The change of heart coverage will compensate an innocent third-party financier if the wedding is canceled by the bride or groom 365 days or more from the date of the first covered event. Travelers has been selling insurance for over 165 years.

It’s estimated that party and event planners will spend over $4.9 billion in 2020. According to the US Bureau Of Labor Statistics, there are 134,100 professional event planners in the US. Professional counseling – Covers treatment of severe emotional stress due to the cancellation or postponement of the event (a doctor’s note will be needed). Military service – Provides coverage in the event the bride or groom is in the military or active reserves and is suddenly called to duty.

There are some venues that will require that you add them as an “additional insured” on the liability coverage for the event. This means that your policy will protect them for liability arising out of having your event. This is a common request for business insurance, but is not available on a homeowners policy. A wedding policy will allow you to meet this requirement. Whether celebrating a graduation, anniversary, baby shower, or a wedding, a homeowners policy provides good protection for your liability arising out of your hosting non-business events. Major liability issues such as bodily injury to guests and fire damage to rented premises can often be covered under your homeowners or umbrella policies.

Other Insurance Liability Factors To Consider For Your Event Can Include:

Private individuals may want coverage for weddings, but business owners need it for events that are outside of their normal operations like fundraisers. Basic one-day event insurance costs start at $50, but premiums go up based on the number of factors. Liquor Liability Insurance is available as an optional coverage when purchasing Special Event Liability Insurance. Liquor Liability Insurance provides coverage and defense for an event holder who receives money for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. The first place to find more information about event insurance is your current home insurer or a licensed insurance professional. Many providers, such as Allstate and Nationwide, offer event insurance, or their standard home policy might provide adequate coverage for an event.

Many venue owners will not rent their facility to you unless you provide proof of liability insurance. Moreover, claims or suits by injured attendees can be costly, particularly for a small business. If your firm has no liability insurance, it will have to pay these claims out of pocket. You can get an event insurance policy no matter what it is. We’ve listed the most common events that are typically available and insured by hosts to protect themselves from event liability for coverage.

If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone. Protect your inventory, equipment and even the building that you lease or own. A homeowner’s insurance needs can change quite a bit depending on location, home value, home size, personal possessions and more. Because home insurance needs vary from person to person, it’s a good idea to shop around to get quotes from a few different providers and compare rates to see which one is best. Eating food helps to offset the effects of alcohol, and offering tasty alcohol-free drinks gives people another option to enjoy.

Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts. Are you hosting the holiday party around Christmas at your house? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol. You carried all the right insurance all the way along, but entertainment package policies don’t cover wrap parties and you didn’t think something would happen.

Background checks should be conducted on all employees handling money. The event planner consolidates vendors’ bills and sends one bill to the customer. Employees who are in charge of ordering must not be the same ones who handle disbursements, deposits, and billings. The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small event planners ranges from $27 to $39 per month based on location, size, payroll, sales and experience. While many event planners handle one-time events such as weddings, others work year-round with businesses conducting trade shows, exhibitions, and conventions. We have designed a contingency policy designed to cover event organisers if a transmission failure disrupts or cancels a virtual event.

When alcohol is served without a transfer of money, the policy can also include host liquor liability. Limits and premiums vary greatly depending on the type of event and location. At competitive or special events across the nation, lawsuits are being filed for bodily injury of others, property damage to rented premises, and the general negligence of participants.

Care, Custody, Control Liability is an optional coverage available when purchasing RVNA Event Liability Insurance. Quote and Buy short term event coverage for hundreds of event types by going to, a newly launched site from R.V. Nuccio & Associates, Inc., tailored for event organizers and vendors who need Event Liability Insurance for an event.

If you’re hosting your event in a public space, or on municipal property, you’ll want to make sure you have the necessary permits to demonstrate you have obtained event liability insurance, to the amount required. Vendor/Concessionaire/Exhibitor Insurance is available for event holders and vendors through This coverage is designed to protect the insured event holder, concessionaire, exhibitor or vendor against lawsuits from third parties for bodily injury or property damage.

How Do I Get A Certificate Of Insurance For An Event?

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. Some of the most memorable moments in our lifetimes are of special events like weddings, family reunions, and holiday parties. But while it’s easy to get caught up in the excitement of planning an event, every host should be aware of the risks that can make your special day memorable in all the wrong ways.

​Event cancellation insurance protects event revenues and expenses against risks beyond the control of the event organizer. Since no two projects are alike, a good film production insurance policy is specifically crafted to a production company’s needs at the time of purchase. That’s why Tokio Marine HCC – Specialty Group tailors each policy to fit the needs of you or your client from pre-production through completion. You are hosting a dinner in a famous museum, and as a staff member pops open a champagne bottle, the cork flies off towards an expensive artefact, causing it to break. In this case, having insurance for your event can save you from suffering great costs. The insurance would be required for both the event organizer and the owner of the venue.

Watching television shows like the Real Housewives and My Sweet Sixteen can make us envious of parties and fun events. Whether it be a birthday party, concert, sporting event, or business function we like to make sure it is enjoyable by all of our guests. Whenever there is an increased number of people at an event that you are hosting, or are responsible for, it is critical that you purchase Special Event Insurance. Special Event Liability is a policy that will protect you from lawsuits stemming from bodily injury or property damage in conjunction with your event. WedSafe specializes in wedding event liability insurance and works with top insurance providers, including Aon and Nationwide. The company offers six limit levels for your liability coverage, ranging from $500,000 to $5 million.

Most facilities require party and event hosts to purchase general liability and, often, liquor liability insurance. As a professional party planner or event organizer, you also need peace of mind that should the unexpected happen you are secure and protected with a event planning insurance policy. Even the best-planned events are at the mercy of the unexpected. If accidents that cause injury or property damage occur during your event, you could be held financially responsible. Your policy can help you take some of the anxiety out of event planning. This program may provide coverage for special event liability.

Our experienced staff will be happy to assist you with any questions or requests regarding special event insurance. Event Insurance Now provides the coverage you need for all your special events. When it comes to protecting event hosts against lawsuit costs and all other expensive threats, no one’s better equipped to help than an independent insurance agent.

Many event locations require you to get your own Special Event Liability Insurance. You can add them as an Additional Insured at no additional cost. Business-owned vehicles typically need commercial auto insurance. See the different policies available for event planners and save up to 10% when you bundle.

Expert claims service– Our knowledgeable claims representatives are available 24/7 to assist you if something happens at your event. Here are five reasons you should consider Special Event insurance for your next event. Special Event Insurance through your Alumni Insurance Program can provide up to $2 million of coverage.

Liquor liability insurance covers anything related to alcohol and the bartenders at the event. Sometimes, a vendor will ask you to provide a waiver of subrogation. Dog-related damage is the leading cause of homeowner’s insurance claims.

Transmission interruption insurance covers the transmission of any live or one-time event. Commercial Production Protection insurance is a risk transfer tool that protects against adverse weather conditions that can reduce revenue when filming on location. Insurable perils include rain, snow, lightning, hurricane, and temperature.

Without this insurance this claim could otherwise cause you or your business a huge financial hardship. Special event coverage, also known as one-day event coverage, is blanket insurance and often covers many potential claims. However, special event coverage only covers certain types of events like weddings and banquets. Policy eligibility is subject to underwriting qualifications and approval by the insurance company writing the policy. Hosting a company party during the holidays is a great time to bond with coworkers. Will your business office insurance cover a holiday party?

USATF has worked with its third party risk manager, Integro Entertainment & Sport, to make the following program available to USATF event directors. This additional policy provides general liability protection for claims brought by third parties alleging bodily injury, property damage, and personal or advertising injury in connection with covered activities. This program is intended to provide coverage outside the scope of the set-up, operations, and break-down of the actual event and does not cover the actual event itself. Any inquiries in regards to the purchase of this additional coverage should be sent to Integro Entertainment & Sport. However, most people who buy event insurance for a party or a wedding get host liquor liability coverage, the type that covers service, but no sales. Host liquor liability often is included in special event insurance for private individuals.

First and foremost, it’s important to be proactive with safety in your event planning. For example, having caterers or bartenders in non-slip shoes can help prevent falls. You want to do this as soon as possible – within a few hours of the accident.

Insure Your Wedding Now!

If you’re throwing your birthday party at a local venue, you’ll likely need to purchase insurance, which is required by most venues. Be sure to speak to the venue about the level of coverage you’re required to obtain. And even if you decide on having your party at a local park, there are good reasons to consider purchasing insurance for a picnic party, too. Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Make it easy for your special event clients to fulfill your insurance requirements.

The cheapest policies available start at $175 for liability coverage, around twice what you might pay for a more appropriate limit for smaller events. Once an event planner has assessed their risk, they can identify appropriate event insurance policies. You should verify that they have liquor liability insurance by requesting proof of insurance. Athletic Events – Your General Liability policy covers athletic events such as fun runs, field day, and donkey basketball as long as they are being run by your Organization.

BizBash Florida dug deep into the insurance arena to clarify what event insurance is needed, who needs it, what it covers, and how to get it. Whether you are organizing a sporting event, concert, festival, wedding, or commercial production, your financial success depends on an extended period of good weather. With the success of your venture riding on something so unpredictable, you don’t want to rely on luck alone. Our Weather Insurance program comes in to protect your revenues or expenses from adverse weather that could alter the expected results of your event.

  • There are a variety of unique risks that can occur during any event, including bodily injury to event participants and spectators or property damage at the venue.
  • Why spend days waiting for policy documents when you can get them from Eventsured in minutes?
  • The XINSURANCE product line is designed to address the two largest areas of exposure in your clients’ coverage.
  • The company will even issue you a general liability policy up to the day before your event.
  • We work with you to help keep your family and business protected.

​Event weather insurance protects revenue losses caused by adverse weather conditions that reduce attendance and the sales of concessions, food and parking. How to evaluate the right level of coverage for event organizers. Some high-risk accidents are not covered – for example, horse-riding, fireworks, or other events related to extreme activities. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business.

Find us on LinkedIn, Twitter,Facebook,Instagram and YouTube. Use this application to cover ongoing club/group activities; typically an annual policy. General Liability and/or Accidental Medical coverage for short-term events and activities. AFIG’s Event Insurance team will work with you to protect you, and your plans while minimizing risks and maximizing the rewards of your event. Rodeos have one of the highest injury rates due to the nature of the sport.

Unfortunately, it’s all too common for injured parties to seek legal judgment, not only against event organizers but also the individual participants. Attorneys will look for an indication of individual liability at every possible turn – in an effort to maximize the awarded judgment for their client. Oftentimes, event organizers or participants carry minimum-limit, broad stroke insurance policies intended to cover spectators, venues, and competitors. Are you prepared to be held responsible for a major injury or accident that could happen to a spectator or participant during your event?

This way, claims stemming from your event are covered by your special event policy first and only subtract from your general liability limits after you reach your special event coverage limit. Host liquor liability Insurance is included at no additional charge with the RVNA Special Event Liability Insurance Policy. Host Liquor Liability Insurance provides protection for an event holder against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated event guest. If there is any transfer of money and alcohol is served, Host Liquor Liability coverage does not apply. You would need Liquor Liability coverage to provide the proper protection.

Hosts who hire caterers or bartenders to serve alcohol at their event should require them to carry a liquor liability policy and add them as an additional insured. However carefully you plan each event detail, you can’t always prevent damage to the venue or an accidental injury for which you may be legally responsible. EWed’s event liability insurance policies will cover you from the moment set-up begins through the final breakdown of the celebration. Special Event Insurance commonly covers third-party bodily injury, property damage, and cancellation costs. The coverage areas offered, however, will typically vary based on your specific policy, as many insurers offer different features based on the types of events you hold.

ACT protects woodworkers who need liability insurance to move their business forward. Commercial insurance policies for arts, entertainment and recreation are specialized policies that protect against the unique risks that arts and recreation businesses face. A single lawsuit or settlement could bankrupt your business five times over. Many companies and government agencies won’t do business with your company until you can produce proof that you’ve obtained one of these policies.

As we mentioned earlier, the first type of event insurance that you absolutely need is general liability insurance. This type of insurance lays the foundation for covering the basic things like the event planner, the venue, caterers, and so forth. After making sure that you’ve insured your event for general liability, the fun part begins.

We can provide this insurance in all 50 states as well as for international events. Owned and rented equipment coverage (props, décor, audio-visual equipment, etc). We shop around for you, selecting insurnace companies based on competitive pricing, financial stability, and level of service. We work with you to help keep your family and business protected. Have you rented furniture or the sound system or a marquee? Have you rented furniture or a sound system or a marquee?

Hired and Non-Owned Automobile Liability coverage is an optional coverage available when purchasing Event Liability Insurance. Damage to Premises coverage is included with an RVNA Event Liability Insurance policy. We cover vendors and exhibitors at thousands of events, trade shows, exhibitions, and festivals each year.

General Liability Insurance for a sporting event can start around $250. The cost will go up from there depending on the type and size of the event or the requirements for additional coverage. Coverage for Participant injuries can be added for $50-$1000. If a guest slips and falls while attending your event, they likely won’t hesitate to put the financial responsibility on you. Without Event Liability Insurance, you could have to pay their medical expenses out of your own pocket. Vendors, exhibitors or service providers may also be required to have Event Liability Insurance in order to be at the event.

Holiday party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest. With so many terms flying around in the world of insurance-“liquor liability,” “general liability,” “additional insured”-it’s hard to know what is right for you. Most companies and planners purchase general liability, which provides broad coverage for such incidents as people slipping and falling or a faulty product passed out in a gift bag. Any vehicle you use primarily for business needs commercial auto insurance. The automobile you use to travel from client to client and event to event should have coverage so that you are meeting the legal mandate of your state for commercial vehicles. With this coverage, you or your employees will be protected if you get into an accident in the vehicle.

Founded in 1930, Markel is a specialty insurer in a niche market. They offer wedding and event insurance, as well as other property and casualty insurance for collector cars, yachts, and property insurance. They have a low deductible on their cancellation policy. This level of coverage selection allows you to assign amounts that fit your event and budget. Although Philadelphia Insurance Companies is a great option for large events, the minimum $3 million liability limit may be overkill for private gatherings.

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You might even be at risk of losing your event spot if you don’t provide proof of insurance. But you could lose even more than that if you don’t get the right coverage. For example, if someone leaves the plug open on a cooler and causes damage to your venue’s hardwood floors, you could be stuck with a massive repair bill — as high as $10,000 in one case. Event Insurance is a General Liability policy designed to protect the event holder for most claims of guest or spectator injury or property damage arising from the event. If sued, you will need to hire a lawyer to defend you and you wonder how you would go about doing this. If found negligent or responsible, you would likely have to pay for a court-ordered or agreed-upon settlement to the injured party.

One reason the premium range is so broad for one-day special event insurance is we had to account for liquor liability coverage. Businesses that either aren’t serving alcohol or are providing it for free should see prices toward the lower end of the range. Businesses that sell alcohol take on more liability, so their event insurance costs more. Don’t stress, eWed’s special event liability insurance has you covered.

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A special event can be anything from a wedding to a multi-day festival involving food sales, alcohol sales, amusement rides, rodeos, athletic contests and parades. Fortunately, a Florida independent insurance agent can help you find the right type of event liability insurance to protect you from unforeseen lawsuits. Even better, they’ll get you the coverage you need, long before you need to use it. But before we jump too far ahead, here’s a closer look at this critical coverage. Whether it’s a family reunion, a wedding, or even your company picnic, the key to any successful event is planning ahead—which includes planning for the unexpected. Most homeowners or other liability insurance policies don’t provide coverage at catering halls or other public facilities, and coverage purchased through the venue can be unnecessarily costly.

Pricing is fair and the staff is very quick to respond if you are experiencing technical issues. I would recommend RVNA to my wedding & event family and to anyone who needs liability services. Homeowners insurance often doesn’t provide enough protection. Typically, homeowners policies will only cover the event if it’s located at the home of the host and will only cover event liability, not cancellation.

Whatever your event, chances are that your regular insurance program will not cover these exposures. You need special event insurance that is designed to cover your particular activities. Your Florida independent insurance agent can help you find the appropriate special event liability insurance for your needs. Depending on the carrier, type of coverage, and type of event, the answer may not be black and white.

Markel Specialty, one of Markel Corporation’s five insurance divisions, underwrites innovative property and casualty solutions for both standard and hard-to-place risks. Success in specialty insurance is about knowing your markets. With 70+ years of experience in our niche markets, our product focus is on commercial programs and personal lines offering admitted and excess and surplus lines solutions. We provide specialty customized coverage for personal and commercial liability risks. TULIP was designed to provide low cost general liability insurance to users of University facilities through an on-line purchasing process. Protect yourself against guest injuries or a guest or relative suing you in the case of a bad injury.

The best special event insurance providers allow you to get insurance for your special event online in a matter of minutes. Many of them also offer add-ons that let you customize coverage based on the type of event you are holding and any particular needs you have. If you’re looking for special event insurance, be sure to consider these top providers. Liquor liability is an optional coverage and is only available if you have selected liability insurance; it can be added to the liability coverage you purchase for a nominal fee. Liquor liability coverage is designed to protect you and your immediate family against alcohol-related accidents. does not include all companies or all available products. The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. As a party or event host, you could be held responsible for your guest’s actions if you serve alcohol.

That’s why animal liability coverage is an essential part of being a responsible pet owner. As an insurance agent, it’s your goal to protect your clients. Unfortunately, with traditional insurance policies, the perfect coverage is simply unattainable due to policy exclusions. Your guests may accidentally damage the cabana or barbeque shelter you have rented.

The presence and use of horses and other animals in unfamiliar surroundings with a lot of activity and stimulus around adds to the risk. Depending upon the type and size, event exposure is ranked moderate to moderately high. The fact that most people are riding their own animals , and carry their own liability insurance, modifies the level of risk somewhat. Yet, a lot is happening in a short period of time and there is a fairly high potential for incidents to occur. A Horse Business may be able to insure all their events and other services and activities under a Horse Farm, Stable & Ranch Owner’s Policy, or a Commercial Equine Operations Liability Policy.

Creating a clear backup plan and communicating with all stakeholders can help to prevent financial loss in such an event. While some black swan events and accidents are unavoidable, special event planners should always take stock of foreseeable risks. The act of hiring a caterer to serve food and alcohol does not exclude your Host Liquor coverage. However, if you cater the event and the venue or caterer sells the alcohol, then they assume the liquor liability exposure.

What do you mean by subrogation?

Vendor liability insurance protects you from claims that can arise from property damage, bodily injury, and foodborne illnesses. Let’s take a look at the two most common types of insurance policies for food and craft market vendors.

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 . The policy won’t reimburse lost deposits just because someone gets cold feet. 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. Markel’s low-cost event policies include discounts for bundling coverage and free information resources, a better value than any other carrier.

How much is liability insurance for a concert?

The typical figures for coverage of a concert depend on the type of concert it is. The industry average for those figures is $0.20 a person for classical music and opera, $0.25 for gospel and jazz, $0.30 a head for pop, rock, R&B, country and contemporary.

Nuccio has the excellent rates and coverage for small production companies, the best that I’ve found. It can also provide coverage for damage to special attire, lost/stolen gifts, photographs, lost deposits from no-show vendors, and more. Coverage can be purchased up to 14 days before your event.

This policy may also provide some protection to the venue as an Additional Insured with a Certificate of Insurance when required. Most special event insurance covers associated costs if an event unexpectedly needs to be canceled. Typically, the type of events covered include birthday and anniversary parties, baby showers and other personal events. Events open to the public or bachelor/bachelorette parties are usually not covered.

However, there are additional options to protect the host and venue, including special event insurance and liquor liability or host liquor insurance. A very common and important insurance requirement in the events & planning world is a General Liability insurance policy. It protects against claims of bodily injury or property damage and it includes medical cost reimbursement for injured parties.

Many professional venues carry event insurance to protect the premises and property, and private party hosts might find similar event liability coverage useful. Most home insurance policies provide some protection for the property where the party is being hosted, but it’s a good idea to check into additional event liability to ensure all potential damages are covered. Most home insurance policies feature some protection for private events in the home, but it probably won’t be comprehensive.

Additional production coverage is available through 20 different riders. 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. Lisa Bernardi is a personal finance and small business expert who has written for publications such as Bankrate,, TIME, and more.

An example of a concessionaire would be a jewelry salesman at a swap meet or an artist selling their art at an arts and crafts show. The person, organization or company responsible for the organization and promotion of the special event and typically the signer of the rental facility use agreement. During the online application process, you can enter your venue’s required wording. You will receive your policy documents and certificate of liability instantly online.

However, some venues will ask for you to include them as an additional insured under your insurance to ensure that no matter what happens they are covered. If you’re hiring anyone to work this event, it’s highly recommended that you get worker’s compensation insurance. Worker’s compensation insurance cheapest public liability insurance protects employees for any injuries that might happen while they’re on the clock and can help offset the cost of medical benefits due to the injury. Employers can be required to pay the employee for the rest of their life for injuries sustained on the job, this insurance picks up that tab.

Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Without adequate event insurance liability protection you will have to pay damages and defense costs yourself. If the damages and costs are high enough you may suffer financial hardship or bankruptcy.

With over 35 years of industry experience, our staff will be happy to assist you with any questions or requests regarding special event insurance. I’ve been using RVNA for almost a decade for my wedding & event videography studio. Their membership portal is very easy to use when you need to modify your insurance policy. I use this feature the most when I need to add a venue to my additionally insured.

What is the common insurance required for events?

The most common type of event insurance is general liability, which covers lawsuits related to bodily injury or property damage resulting from your event. Many policies also include host liquor liability coverage, which protects you if a guest is overserved and causes injury or damage.

Typically, you can only use third-party property coverage on properties that are not owned by you or your business. The liability policies protect you when you host parties and events where alcohol is served. There is coverage whether you give the alcohol away or charge for it.

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Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns. Prime Insurance Company offers excess and surplus lines, property and casualty insurance. Accident medical for participants or spectators with limits from $25,000 to $250,000.

Minimum limit of insurance shall be $500,000 CSL per occurrence. Please note that Host Liquor Liability coverage is acceptable only when alcohol is being served to guests at the event free of charge. It is NOT acceptable for beer gardens or other alcohol sales.

Find the answers to many of the questions that you may have about event and wedding insurance. PAA and Progressive are not responsible for insurer or coverage selections, policies issued, claims, the content or operation of others’ websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use, and may be shared with us. Progressive Advantage Agency, Inc. refers consumers seeking event insurance to The Event Helper, Inc. for placement with insurers offering that coverage.

Another reason to buy a special event policy is to protect the limits afforded by your existing liability policy. Claims that arise from the insured event should be covered by your special events policy on a primary basis. If the claim is also covered by your existing liability policy, that policy should apply on an excess basis.

Any thriving business knows the perks of leveraging events to promote its services and products. In this digital age, special events like conferences, fairs, and seminars offer businesses the opportunity to connect with their customers and prospects in a more engaged and personalized way. However, by hosting such an event, a business opens itself up to a number of risks and variables outside of its control—the kind that may come back to the company in the form of a lawsuit.

Date: August 16, 2021

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