What is Special Event Insurance Coverage?

To answer the question, “What is Special Event Insurance Coverage?” you must understand the different types of coverage and the benefits and costs associated with each type of policy. To avoid getting scammed, read on to discover more about this type of coverage. Read on to find out what the benefits and exclusions are. You may also consider adding the facility owner to your policy as an additional insured. Below are some things to consider when looking for the right insurance coverage for your event.

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Special event insurance coverage can help you protect your financial investment, which can help you relax and enjoy your event. If something untoward happens, such as a natural disaster or illness, or if your vendor cannot show up, you can claim compensation through insurance. Special event coverage also helps protect your expenses if you’re forced to cancel a trip or have to replace necessary goods due to damage or theft. Here are some of the benefits of special event insurance coverage:

Special event insurance coverage can cover unexpected costs, such as venue or supplier letdowns. Liability coverage protects you from lawsuits arising from a covered loss. If you’re held liable for the actions of a third party, the insurance can compensate you for medical bills and legal fees. If an employee becomes injured at your event, you can claim reimbursement for lost wages and medical expenses.

Another benefit of special event insurance coverage is that it can protect your existing liability limits. Suppose your company doesn’t already have a general liability insurance policy. In that case, you can apply it to the insured event on an excess basis, which protects your financial resources from being underinsured. Many policies are issued on standard ISO liability forms, and they generally contain endorsements restricting their coverage to a specific event or date. In addition, some insurance policies may exclude certain activities, including sports, which may carry additional exclusions.



The cost of special event insurance coverage is affected by several factors, including the event type, location, and the amount of risk involved. A wedding, for example, will cost more to insure than an event held in Utah. The more people you have at the event, the more expensive it will be. This is especially true if there are children in attendance. Special event insurance coverage costs can range significantly, so it’s important to shop around and find the most affordable option for your needs.

The price of special event insurance can range from $150 to $257 per policy, depending on the type of coverage and the length of the event. The cost will increase if you host a significant event or serve alcohol, so it’s wise to shop around for the best deal. A typical event of this type of coverage involves more than 100 people. Therefore, larger events will likely cost more. You’ll also want to consider the number of attendees and the location.

If you’re hosting a wedding, you should check with the venue to see if they require special event insurance. Some venues need event insurance for both the setup and teardown date. You may also want to consider additional insured status, which will lower the overall cost. A minimum of $1 million in occurrence liability coverage and $2 million in aggregate liability insurance is required by most venues. If you’re hosting a tuxedo party, consider purchasing a particular event insurance policy to protect yourself from unexpected costs.


In addition to liability, special event insurance policies often exclude certain events or types of property. For example, many insurance policies will exclude bodily injury claims during athletic events. This is because injuries that occur during exhibition or practice are not covered. Other excluded events are cheerleading or dance performances. To avoid this, ensure that the tenting company you hire carries a separate property policy. Nevertheless, be sure to check your policy to make sure you’re covered for these events.

The liability covered by a Special Event policy depends on the risk associated with your event. For example, an event involving children will have a higher risk than a company picnic. A standard limit for an event is $1,000,000 per occurrence, but this limit can be higher if necessary. Some special event policies also exclude sure participants, including independent contractors, vendors, and employees. However, there are other restrictions and exclusions that you should be aware of before purchasing a policy.

Many special event insurance policies have specific conditions for including special event endorsements. A typical endorsement is naming the lessor as an additional insured, covering the loss due to a pandemic or virus. The specific coverage offered will vary based on the language of your policy. A special event endorsement may also include the naming of the lessor as an additional insured. Once you’ve determined your insurance policy’s specific exclusions and limitations, you can begin reviewing your policy for any other special event endorsements.