Whether you’re an event planner, marketing agency, or just a family throwing an elaborate wedding, special event insurance can step in when you’re sued over the property damage, accidents, or injuries that crash your party.
What is Special Events Insurance?
Special event insurance is an insurance policy that helps protect your investment in a specific event, such as a wedding. In addition, event insurance may help cover your costs if you unexpectedly need to cancel your event or if you’re found responsible for property damage or an injury caused during your event.
What does Special Events Insurance cover?
Depending on the type of event you throw, you can get insurance coverage for…
General liabilities
Liquor liability
Lawsuit coverage for slip-and-fall accidents
Lawsuit coverage for property damage caused by attendees or employees
Cancellation insurance covers fees and other payments you must make even if the event is canceled because of an accident or weather.
Most special event insurance only covers the specific loss events that are outlined in your policy. Our insurance agent can help you understand what is and isn’t covered before you commit to a policy.
The Cost of Special Events Insurance
How much you pay for special event coverage depends on the kind of event you’re hosting and whether or not alcohol will be served. You might have to pay more depending on the following risk factors:
Type of event
The number of people you expect to attend
Where the event is hosted
Whether alcohol is served
Coverage Limits
By now, you may have realized that event insurance can be necessary for any type of party or gathering. However, whether it’s a wedding, charity fundraiser, or other types of events, the costs and potential liabilities are enough to make most people cringe. Thankfully there is help available with special event coverage through us. Connect with us today to know more!
Already have Special Events Insurance? Switching is easy
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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We extend coverage to individuals and businesses in Lexington, VA, Buena Vista, VA, Staunton, VA, Waynesboro, VA, and Covington, VA.
