Special Event Insurance, also known as a Special Event Liability policy, provides coverage for third-party liability claims relating to property damage and accidental injury. This liability policy is recommended when hosting personal or business events for large groups of people or small gatherings.

Special Event Liability Insurance provides coverage and financial protection when holding events for business and leisure purposes. Whether you are hosting a memorable wedding for your client or a 50th birthday party, this insurance policy is ideal for event organizers or vendors.

Here are some reasons why you need this event liability insurance policy:

1. Accidents: Anything can happen during events, from a slip to a broken window. With the Special Event policy, PD and BI are insured.
2. Alcohol: If you serve alcohol and an intoxicated person becomes injured or damages the property, you may be liable. Adding a Host Liquor Liability protects you from the hassle of dealing with lawsuit claims.
3. Comprehensive: This comprehensive policy is designed to tailor to your specific needs.
4. Credibility: Having a policy in place can increase your credibility and invite more businesses. It lets attendees and clients know they are safe when accidents and unforeseeable events occur.
5. Required: Event venues will always require you to have an insurance policy in place.

Special Event Insurance provides the following coverage:

• Commercial General Liability Insurance (CGL): As an event host, CGL protects you against lawsuits and personal injury or property damage claims. CGL coverage also covers medical expenses and legal fees incurred.
  • Medical expenses: Covers injured parties without fault regardless of negligence.
  • Tenants Legal Liability: Covers rented or leased property that has been damaged.

Here are some additional coverages that are often included in the Special Event Insurance:

• Host liquor liability: If you serve alcoholic beverages at your event, you will need this coverage. This coverage protects you from BI or PD arising from the distribution or serving of alcoholic beverages.
  • The server must have a “Serving It Right” license to provide alcohol to legal adults.
• Cancellation insurance: This event cancellation coverage is popular event insurance that event organizers, planners, and vendors add to the Special Event Policy. This coverage can provide financial reimbursement if clients cancel due to bad weather, unusable venue, or unpredictable circumstances.

The Special Event insurance cost will depend on several factors specific to the business:

• Annual and Projected Income
• Applicant Details
• Deductibles
• Specified Coverage
• Number of Attendees
• Number of Employees
• Policy Terms and Limits
• Types of event
• Types of beverages served
• and more

Complete our online insurance application to get your free quote emailed to you! You do not need to proceed once you have received your quote – customer service is our priority.

Special Events Insurance can be designed specifically to the event, including:

• Birthday parties
• BBQ
• Car shows
• Celebration of life
• Concerts
• Fashion shows
• Food vendors
• Holiday parties, including Christmas, Lunar New Year, and New Year celebrations
• Graduation ceremonies and parties
• Music festivals
• Reunions
• Sporting events
• Trade shows
• Weddings (ceremonies and receptions)