You Can Have Peace of Mind With Special Event Insurance

Whether you’re planning your daughter’s wedding or professionally organizing special events for your clients, the process may be rather intimidating. Numerous things can go wrong, exposing you to culpability if sued. Special event insurance can help you protect yourself in the event that a guest is harmed, alcohol is served, the site you’ve reserved requires liability insurance, or to assure your peace of mind.

Why do you need event insurance? 

Special event insurance covers event organizers who may be held liable for property damage or bodily injury to third parties, among other things. Along with damage coverage, private event insurance may be able to safeguard your event investment. This insurance can also cover the venue or event sponsors if they are included in the policy.

What can special events insurance cover? 

Here are five reasons why purchasing event insurance for a party is a wise investment, regardless of whether you are the event’s organizer or a vendor.


Have you ever witnessed or read about an accident occurring during an event? Accidents can occur at any type of event, and event insurance coverage is critical for both organizers’ and vendors’ safety.

Property & Premises Damage

Whether you hire a venue space or organize an event in a private residence, regardless of the number of attendees, there is a realistic chance that some property damage may occur. To illustrate, if you booked a location and a fire broke out during your event, causing $92,000 in damage, the insurance would entirely cover the cost of repairs pending if your maximum damage to premises was $100,000.

Liability for Care, Custody, and Control

Physical damage or loss of property is typically not covered under most liability policies. Simultaneously, it is in the event organizer or vendor’s care, custody, or control, though extra event insurance can be added if needed. Kristen and her husband’s 50th birthday party is an excellent illustration of the benefits of this type of responsibility. Kristen rented a lovely ballroom for her husband’s birthday celebration, but a bottle of red wine was shattered during the festivities, causing damage to both the bespoke Persian carpet and the surrounding travertine floor. The ballroom’s owner sued Kristen for the $48,500 cost of replacing the whole carpet and a large piece of the travertine floor. Kristen was fortunate to obtain the Care, Custody, and Control Liability insurance, which shielded her from the loss.

Alcoholic Beverage Liability

Liquor liability insurance protects against bodily injury and property damage caused by drinking. If money is exchanged and alcohol is given, If you insure your wedding day, Liquor Liability coverage protects both event organizers and providers.


Ultimately, event insurance is about protection. The primary benefit of event insurance is that it is a single, comprehensive policy designed specifically for those who organize special events or provide vendor services at events. Accidents do occur during events, regardless of the precautions taken. Special event insurance provides you with the protection and peace of mind you seek.