How Special Event Insurance Can Ensure Your Peace of Mind

How Special Event Insurance Can Ensure Your Peace of Mind
How Special Event Insurance Can Ensure Your Peace of Mind

Whether you’re planning your daughter’s wedding or professional special events for your customers, the process can be intimidating. Many things can go wrong, leaving you liable in the event of a lawsuit. Special event insurance can help you protect yourself if a guest is injured, if alcohol is involved, if the venue you rented requires liability insurance, or if you simply want to have peace of mind.

Why do you need event insurance? 

Special event insurance covers event organizers who face liability or a lawsuit for, among other things, property damage or injury to third parties. Party event insurance, in addition to damage protection, may be able to protect your investment in the event. 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 wedding event insurance, whether you’re hosting it or a vendor, is a worthwhile investment.


How many times have you watched or read about accidents occurring during events? Accidents can occur at every event, regardless of its type, and insurance for events is essential for the protection of both organizers and vendors.

Property & Premises Damage

Whether you’re renting a venue space or organizing an event in a private residence, there’s a reasonable chance that some property damage may occur, regardless of the number of people in attendance. For example, if you booked a venue and a fire broke out during your event, causing $92,000 in damages, the cost of repairs would be completely covered by insurance pending if your damage to premises coverage was $100,000.

Liability for Care, Custody, and Control

Most liability plans exclude coverage for bodily harm or property loss. At the same time, it is in the event organizer or vendor’s care, custody, or control. However, special event insurance can be added if needed. Kristen and her husband’s 50th birthday party is an excellent illustration of how this type of responsibility can benefit. 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 owner sued Kristen for the $48,500 cost of replacing the whole carpet and a large piece of the travertine floor. Kristen was lucky to have obtained the Care, Custody, and Control Liability, safeguarding her loss.

Alcoholic Beverage Liability

Liquor liability insurance covers injuries and property damage caused by drinking. If money is exchanged and alcohol is served, Liquor Liability coverage protects both event organizers and vendors.


When it comes down to it, event insurance is all about safeguarding your assets. The most significant benefit of event insurance is that it provides a single, comprehensive coverage specifically tailored to the needs of persons who organize special events or provide vendor services at events. Accidents can occur during events regardless of how many precautions are taken. Special event insurance will provide you with the protection and peace of mind you seek.