Looking for State Farm Event Insurance? It appears that State Farm no longer provides a way to purchase an event insurance policy online.
Not to worry. There are other options available online:
Top Alternatives to State Farm Event Insurance:
Be sure to check your venue’s insurance requirements before securing a policy!
GatherGuard
Damage to rented premise limit: $250,000
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No
Free quote feature available
SpecialInsurance.com
Damage to rented premise limit: $300,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes
Free quote feature available
Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required
Policies like State Farm Event Insurance (also referred to as Special Event Insurance) protect event hosts from financial and legal burdens that could arise from injuries or property damages that occur during the event. Most venues now require it as well as part of the rental agreement for various types of events, including wedding, baby showers, and birthday parties.
From a cost standpoint, policies can start at $75, however it is important to ensure the policy limits meet the requirements for the event and/or venue.
The below video provides a good example as to why purchasing coverage is important:
Not convinced? Consider these examples where event insurance came to the rescue:
- Photographer’s camera bag with event pictures was stolen during the event. Hotel accused of failing to provide adequate security. Event Insurance paid $3,000 plus defense costs (legal fees).
- Venue held Rentee responsible for damaged carpet at reception. Event insurance paid $5,523.81.
- Wedding guest slips on rose flower. Event insurance paid $4,200.00.
- Groom while carrying his bride dropped her. Law suit against venue. Event insurance paid $12,250.00.
- A guest was injured in a fall on a slippery dance floor. Law suit alleged hotel provided improper dance floor. Event coverage paid – $2,500 plus legal fees (defense).