Celebrate the moment. Protect the event.
Flexible insurance options for weddings, festivals, concerts, conventions, fundraisers, sporting events, business parties, seasonal attractions and other special occasions.
Quick Event Quotes
Simple options for many common one-day and short-term events.
Venue-Ready Documents
Request certificates and eligible additional-insured endorsements for your venue.
Flexible Coverage Options
Build protection around your attendance, activities, alcohol exposure and event location.
Coverage designed around your event and its risks.
Special event insurance can help protect an organizer, host, sponsor or business against certain claims arising from a scheduled event.
Depending on the policy and selected options, coverage may include event general liability, damage to rented premises, host liquor liability and other event-specific protection.
What affects your event premium?
Event type and activities
Number of guests or participants
Event duration and location
Alcohol service or sales
Entertainment, vendors and equipment
Coverage limits and venue requirements
Protection for events of every shape and size.
Options are available for many private, public, corporate, seasonal, sporting and community events.
Weddings & Receptions
Protection for ceremonies, receptions, rehearsal dinners and related wedding celebrations.
- Private venues and banquet halls
- Host liquor liability options
- Venue certificate requirements
Corporate Events
Coverage for company parties, conferences, meetings, product launches and customer-appreciation events.
- Employee celebrations
- Conferences and conventions
- Business networking events
Festivals & Carnivals
Options for community festivals, fairs, carnivals and ticketed outdoor entertainment.
- Public attendance
- Food and merchandise vendors
- Entertainment activities
Concerts & Performances
Coverage for concerts, live performances, theater productions and entertainment events.
- Indoor and outdoor venues
- Performers and production crews
- Sound and staging exposures
Sporting Events
Programs for races, tournaments, walks, marathons and recreational competitions.
- Participants and spectators
- Volunteer exposures
- Course and venue requirements
Seasonal Attractions
Coverage for pumpkin patches, Christmas tree stands, holiday markets and seasonal displays.
- Temporary locations
- Seasonal customer traffic
- Retail and attraction exposures
Fireworks Displays
Specialized options for professionally managed fireworks events, subject to underwriting and safety requirements.
- Professional operators
- Public and private displays
- Higher-hazard underwriting
Trade & Boat Shows
Coverage for exhibitions, conventions, trade shows, boat shows and vendor-driven events.
- Exhibitor requirements
- Public attendance
- Temporary displays and booths
Fundraisers & Community Events
Protection for nonprofit gatherings, charity events, fundraisers and neighborhood celebrations.
- Volunteers and guests
- Food service and entertainment
- Community venue requirements
Build protection around how your event operates.
Coverage availability depends on the event type, venue, activities and selected policy form.
Event General Liability
Helps protect the event organizer against certain claims alleging bodily injury or property damage to a third party.
Example: A guest slips and is injured at the venue.Damage to Rented Premises
May help address eligible damage to a venue or rented premises caused during the insured event.
Example: Event equipment damages part of a rented hall.Host Liquor Liability
May provide protection when alcohol is served without the host being in the business of manufacturing, selling or distributing alcohol.
Separate liquor liability may be required when alcohol is sold.Medical Payments
May provide limited payment for eligible medical expenses when a guest suffers an accidental injury.
Limits and eligibility vary by policy.Personal & Advertising Injury
May help protect against certain covered allegations such as libel, slander or advertising-related injury.
Coverage is subject to policy definitions and exclusions.Legal Defense
Helps pay eligible defense expenses when an insured is defended against a covered event-liability claim.
Defense provisions vary by carrier and policy form.One unexpected incident can change the entire event.
These simplified examples show common exposures an event organizer may face. Coverage depends on the selected policy and the facts of the claim.
Guest Injury
A guest trips over an extension cord and suffers a serious injury during the event.
Event liability may respond to an eligible claim.Venue Damage
Decorations, equipment or event staff accidentally damage flooring or walls at the rented venue.
Rented-premises coverage may apply.Alcohol-Related Claim
A guest who consumed alcohol at the event later causes an accident and the event host is named in a lawsuit.
Host or liquor liability terms must be reviewed.Vendor Incident
A food vendor’s equipment injures an attendee and both the vendor and event organizer are named in the claim.
Vendor insurance and contracts become important.Meet the insurance requirements in your venue contract.
Many venues require proof of event liability before the event date. Some contracts also request additional-insured status, specific limits or special wording.
Request the venue’s insurance requirements.
Send us the relevant portion of your venue agreement so the quotation can be reviewed against the required limits and endorsements.
Your vendors should bring their own protection.
Event organizers should review contracts and insurance requirements for caterers, entertainers, rental companies, security firms and other independent vendors.
Collect proof of insurance before vendors arrive.
A vendor’s actions can create liability for the event organizer. Written agreements and insurance certificates help clarify responsibility and confirm that vendors carry their own coverage.
Vendor Certificates
Confirm that each vendor has active insurance with appropriate limits for the services being performed.
Additional Insured
Contract language may require the event organizer or venue to be added to a vendor’s policy.
Protect your event in three simple steps.
Tell us about the event, review available coverage options and receive the documents required by your venue.
Tell Us About the Event
Provide the event date, location, attendance, activities, alcohol details and venue requirements.
Start your quote →Compare Coverage Options
We review available carriers, limits, deductibles, endorsements, exclusions and alcohol-related options.
Bind & Receive Documents
Select your policy and receive the certificate and eligible endorsements required for the event.
What we may need to insure your event.
Complete information helps the insurance company understand the event and provide appropriate terms.
Start My Event QuoteEvent Details
Event name, description, date, operating hours and setup or breakdown dates.
Location
Venue name, complete address, indoor or outdoor status and property-owner information.
Attendance
Estimated guests, participants, employees, volunteers and expected daily attendance.
Activities
Entertainment, sporting activities, rides, inflatables, fireworks or other special attractions.
Alcohol Information
Whether alcohol is served or sold, who provides it and whether licensed bartenders are used.
Venue Requirements
Required limits, additional-insured wording and a copy of the venue contract when available.
Some activities require special underwriting or separate coverage.
Every policy contains exclusions and conditions. Higher-hazard activities should be disclosed before coverage is purchased.
Event Cancellation
General event liability does not automatically reimburse deposits or lost revenue when an event is canceled.
Weather-Related Losses
Rain, wind or severe weather cancellation may require a separate event-cancellation policy.
Liquor Sales
Selling or distributing alcohol may require separate liquor liability rather than host liquor liability.
Amusement Activities
Rides, inflatables, mechanical attractions and participant activities may require specialized approval.
Fireworks & Pyrotechnics
Fireworks generally require experienced operators, permits and specialized insurance-company underwriting.
Vendor Property
Equipment, merchandise, tents and property belonging to vendors may not be covered by the organizer’s liability policy.
Good preparation can reduce preventable incidents.
Clear procedures, trained personnel and documented vendor requirements can help protect guests and improve how an incident is handled.
Respond quickly and document the details.
Prompt reporting and accurate documentation help the insurance company investigate the event and determine applicable coverage.
Address Immediate Safety
Obtain emergency assistance and prevent additional injury or property damage.
Document the Scene
Photograph the location, conditions, equipment and visible damage when it is safe to do so.
Collect Information
Record names, contact information, witness statements and vendor details.
Report the Claim
Notify the insurance company promptly and provide requested documents and incident reports.
Ready to compare special event insurance options?
Start your quote online or call our team at (305) 428-2005.
Event insurance questions, answered.
Our team can help review your event, activities, venue contract and coverage requirements.