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What Is A Special Event Insurance Policy?
"in Plain English”
A special event insurance policy offers general liability coverage to help you protect your financial investment in a specific event. Think of baby showers, a kids party or a wedding.
Special event liability insurance policies are also known as, one-day event insurance, single event insurance, one time event insurance or day-of event insurance.
How Does Event Insurance Work?
Pick Your Options
Your first step is to determine your monthly budget. From there you need to decide on co-pay, co-insurance, deductibles, prescriptions & out of pocket maximums before you apply.
Make Payments
Once your policy has been approved you will need to make monthly payments on your policy to keep it in-force. You will probably see an increase in your health insurance premiums every year.
File A Claim
It's usually easy to file a claim for health insurance, most of the time the doctors office will file them for you to make sure they get paid on time.
What Are The Different Types Of Event Insurance?
The 2 Main Types Of Event Insurance
"in Plain English”
When it comes to making sure your event is well-protected, you've got two key coverage options to consider: liability coverage and cancellation coverage. Let's take a closer look at these two types of coverage and dive into the details.
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Event Liability Coverage
Event liability insurance coverage is crucial to have in place when it comes to hosting an event. This type of coverage acts as a safety net, shielding you from potential risks involving third parties. For example, if a waiter gets injured by one of your guests, this coverage can help cover their medical bills. It also offers protection against property damage claims and bodily injury claims. While there may be coverage limits to consider, having this type of coverage is generally a wise choice for your events.
Event Cancellation Coverage
Event cancellation insurance will help reimburse you (up to your policy coverage limit) for things like lost deposits and fees if something unexpected forces you to delay or cancel your function. Your special day arrives, but your flower vendor drops the ball and fails to deliver the stunning blooms you had envisioned. Now you're left with no choice but to postpone your event. But fear not! With this event cancellation insurance, you're covered for lost deposits and fees, within the limits set by your policy.
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Event Insurance made easy.
Agents not required.
Get special event insurance quotes and sign up online all without an agent. However, as licensed agents we are here if you need us.
Unbiased, expert advice.
Get unbiased event insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get special event insurance coverage within minutes of getting your quotes and applying online.
What Does Event Insurance Cover?
What Events Do Special Event Insurance Cover?
If you need to cancel your event unexpectedly or are found responsible for property damage or injury, your event insurance will kick in. This can be used at events such as baby showers and weddings to name a few. Below we review other covered events.
Baby Showers
Quinceañeras
Religious Celebrations
Birthday Parties
Weddings
Anniversary Parties
What Does Special Event Insurance NOT Cover?
Special event insurance won't cover bachelor or bachelorette parties, public events, sporting events or things like dance recitals. Some business functions like private corporate parties or fundraisers might not qualify either. You should talk to your insurance company about policy specifics.
How Much Does Special Event Insurance Cost?
How Much Is Event Insurance?
Special event insurance costs about $182 for a one-day event insurance policy regardless of the policy limits. For events lasting 2 to 10 days the average premium was $250 and for 10 days or longer, the costs were around $257.
So, what factors determine the average cost of event insurance?
Your Industry
If you are purchasing event insurance for a business function it could affect the cost of your premiums depending on the type of industry you are in. People in the Healthcare space pay the highest amount of premium at around $380.00 where Non-profits only pay around $230 in premiums.
Coverage Limits
The most popular policy limits are $1 million and $2 million. The way it works is that while the policy is active the insurer will pay up to $1 million to cover any single claim. If you get the $2 million limit then the insurer will pay up to $2 million to cover claims.
Cover Me Away™
Event Insurance made easy.
Agents not required.
Get quotes and sign up online all without an agent. However, as licensed agents we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get special event insurance coverage within minutes of getting your quotes and applying online.
How To Buy Event Insurance Online Fast!
Get Some Quotes
Don't be shy, click through to get some instant quotes for a special event insurance policy. You can work with an agent or just get your quotes online and avoid an agent all together.
Apply For A Policy
Once you have viewed the quotes you can apply online for coverage. The application process is fast and can usually be done in one sitting. An answer on your approval is usually immediate.
You're Covered
Within a few minutes of your application you will usually have an approval, at that point all you need to do is pay for your policy and you're covered.
Quick Policy Approvals
We are seeing customers get approved for their policy within minutes and having an active policy fast, this is great because many venues now require event liability insurance.
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The Best Event Insurance Companies
N/A
Our Markel Event Insurance review is coming soon!
Top Companies
"in Plain English”
We are putting together a post that will cover the top event insurance companies in much more detail.
Check out the top event insurance companies
Frequently Asked Questions
What does a special event policy cover?
A special event policy will cover property damage at a venue or injuries to guest. This type of coverage is usually required by the venue and also covers the medical bills that could be associated with any injury to a guest up to the policy limits.
How much does special event insurance cost?
Special event insurance costs about $182 for a one-day event insurance policy regardless of the policy limits. For events lasting 2 to 10 days the average premium was $250 and for 10 days or longer, the costs were around $257.
What is the purpose of event insurance?
The purpose of event insurance is to help you cover the costs of having to cancel your event unexpectedly. It will also assist in covering property damage or an injury at your event if you are held liable.
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