EventsGuardian

Your Source For Event Insurance Information & Tips

Learn all about what event insurance is (also known as special event insurance or one day event insurance) and why you need it for your event or wedding.

Top Tip Before You Buy Event Insurance:

Check with your venue what their event insurance requirements are including:

General Liability Limits

$1M/$2M (per occurrence/aggregate) is normal, however $2M per occurrence is becoming more common.

Endorsement Requirements

Are endorsements like Waiver of Subrogation and/or Primary Noncontributory endorsements mandatory?

Additional Insureds

Does the venue need to be listed as an additional insured? If so, how exactly should they be listed?

Knowing these before you buy can save you hours/days of grief!

Need Event Insurance Coverage Now?

Compiled From Decades of Experience

We Know Event Insurance

  • Focus strictly on event insurance
  • Experience with dozens of insurers
  • 100s of different event types

Protection For An Unpredictable World

  • Focus on what matters most
  • Many venue’s now make event insurance mandatory
  • From liability to property damage to liquor coverage and more

“Thank you! When the venue told us we needed event insurance, we didn’t know where to start. Through EventsGuardian, we were done in 10 minutes.”

John W.

Groom

Mason, MI

FAQs

What is event insurance?

Event insurance provides coverage for various risks associated with organizing and hosting events. It typically includes liability protection, property damage coverage, and cancellation insurance.

What types of events can be insured?

Most types of events can be insured, including weddings, concerts, festivals, corporate events, and private parties. However, some large-scale events like major festivals may require specialized coverage.

How much does event insurance cost?

The cost varies depending on factors like event type, duration, number of attendees, and coverage limits. For an accurate quote, you’ll need to provide details about your specific event.

What does event liability insurance cover?

Event liability insurance typically covers bodily injury and property damage claims arising from your event. This can include slip-and-fall accidents or damage to the venue.

Is alcohol-related liability covered?

Coverage for alcohol-related incidents may be included, but often requires that you obtain proper licensing and permits for serving alcohol at your event.

Does the policy cover event cancellation?

Many event insurance policies offer optional event cancellation coverage. This can reimburse you for non-refundable expenses if you need to cancel or postpone due to covered reasons.

Policy Information

How do I purchase event insurance?

You can typically purchase event insurance online by providing details about your event and selecting your desired coverage options.

When should I buy event insurance?

It’s best to purchase event insurance as soon as you start making financial commitments for your event, such as booking a venue or paying deposits to vendors.

Can I get a refund if I cancel my event?

Most event insurance policies are non-refundable once purchased. Be sure to carefully review the policy terms before buying.

Claims and Certificates

How do I file a claim?

In the event of an incident, contact your insurance provider as soon as possible. They will guide you through the claims process and required documentation.

How do I provide proof of insurance to my venue?

Once you purchase coverage, you’ll receive a certificate of insurance that you can provide to your venue. Many insurers also offer online portals where you can generate additional certificates as needed.

Eligibility and Restrictions

Are there any attendance limits for coverage?

Yes, many standard event insurance programs have attendance limits. For example, some may not cover events with more than 750 attendees.

Can I insure a virtual event?

Yes, insurance for virtual events is available. While some risks are reduced, coverage is still important for issues that may arise at the streaming location.

Are there any location restrictions?

Coverage may be limited to certain geographic areas. For example, some programs may only be available for events in specific states. See our state specific posts: CA, CO, FL, GA, IA, LA, MA, ME, MI, MN, NJ, NV, OK, OR, UT, VT, WA (more to be added soon)