What You Need to Know About Special Event Insurance

Special event insurance is a policy that often covers and applies to a specific gathering. You can choose the coverage dates, the event type and the location. If something unexpected happens, such as a venue cancellation at the last minute or someone being injured on-site, the policy may help with related costs. You typically purchase the policy in advance, and the premium depends on factors like event size, location and risk level.

What’s Included in a Special Event Insurance Policy?

The following coverages are often included in a special event policy:

• Event cancellation insurance may reimburse nonrefundable expenses if you must call off or postpone your event due to covered reasons like severe weather or vendor failure.

• Liability coverage may help cover costs if a third party is injured or property is damaged during your event. Venues often require this.

• Liquor liability insurance may cover third-party claims of bodily injury or property damage. This is crucial for events where alcohol is sold or provided.

What Events Are Not Covered by Special Event Insurance?

Special event insurance may not be available for all types of gatherings. Certain events typically fall outside the standard scope of coverage due to higher risks or unusual circumstances. Common examples include the following:

• Bachelor or bachelorette parties

• Gun exhibitions or trade shows

• Events involving animals, such as pet shows or wildlife displays

• Athletic competitions or sports-related activities

• Gatherings with more than 500 attendees

• Events held in hard-to-access or off-grid locations

Special Event Insurance in Citrus Heights, CA

Bolt Insurance can help you secure special event insurance. Contact us today to get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.