How Special Event Insurance Can Assist You in Maintaining Your Peace of Mind

Whether planning your daughter’s wedding or organizing special events professionally for your clients, the process can be stressful. Many things can go wrong, exposing you to liability in the event of a lawsuit. Special event insurance can help you protect yourself if a guest is injured, alcohol is involved, the venue you booked requires liability insurance, or to secure your peace of mind.

Why do you need event insurance? 

Special event insurance covers event organizers who face liability or a lawsuit for property damage or injury to third parties, among other things. Along with damage protection, progressive event insurance may be able to protect your investment in the event. If the venue or event sponsors are added to the policy, this insurance can also cover them.

What can special events insurance cover? 

Here are five reasons why purchasing event insurance for your special event is a worthwhile investment, whether you’re organizing it or a vendor.


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

Property & Premises Damage

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

Liability for Care, Custody, and Control

Most liability plans exclude coverage for bodily damage or loss of property. At the same time, it is in the event organizer or vendor’s care, custody, or control. However, coverage can be added if needed with special event insurance. Kristen and her husband’s 50th birthday party is a good illustration of how this type of responsibility can be beneficial. Kristen rented a lovely ballroom for her husband’s birthday party. Still, a bottle of red wine was shattered during the celebration, injuring 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 purchased the Care, Custody, and Control Liability, which provided coverage for birthday parties and safeguarded her loss.

Alcoholic Beverage Liability

Liquor liability insurance covers injuries and property damage caused by alcohol. If money is exchanged and alcohol is served, Wedding insurance policies can cover Liquor Liability which provides the necessary protection for both event organizers and vendors.


When it comes down to it, event insurance is all about protection. The most prominent advantage 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 happen during events, no matter how many precautions you take. Coverage from special event insurance will provide you with the protection and peace of mind you require.