One Day Event Insurance – Special Event Insurance

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One Day Event Insurance

When every little detail matters.

A special event can be anything from a wedding to a multi-day festival involving food sales, alcohol sales, amusement rides, rodeos, athletic contests and parades. Whatever your event, chances are that your regular insurance program will not cover these exposures. You need special event insurance that is designed to cover your particular activities.

Special Event Insurance (also referred to as CGL, Commercial General Liability) provides protection for situations in which an event holder, exhibitor, concessionaire or vendor must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. This policy may also provide protection to the venue by the attachment of an Additional Insured endorsement, when required.

For event insurance for small gatherings to world-class celebrations, covers special events of all sizes. Through years of experience, we’ve found that tailed coverage designed to fit your event will provide the best insurance coverage. Have a smaller event? Our short term one day event insurance program protects clients without unnecessary coverage’s that a larger special event would require.Events of all sizes, turn to us for superior insurance protection because we offer low cost insurance with superior coverages and services. We cover thousands of events each year including multiple day festivals, parties of varying sizes and seasonal events such as pumpkin patches, street fairs and more.


What is One Day Event Insurance?

Short Term Events are our specialty. One Day Event Insurance, also known as Single Day Event Insurance is a specific type of entertainment insurance, which covers an individual or company hosting an event. Our Special Event Insurance liability provides coverage for damages for which you are responsible for if there is an accident at your event that causes injury or property damage.

One-day events, like a 5K run or a food truck festival require a lot of effort to organize.  Depending on the events you plan and the vendors you use, you may have a lot of insurance risk to juggle. If you have vendors at your event, make sure that they have proof of insurance to operate at your event. Similar to a wedding or a concert, be sure that you have insurance to cover your exposure, like liquor liability insurance for the sale of alcohol.

Even if you’re planning a short event, you still face risks. It’s important to talk to an experienced insurance professional about the details of your one-day event beforehand. One injured person or one piece of valuable property that is damaged can lead to significant legal liability risks for you as the event planner. If you are the person responsible for the event, do not risk your assets and peace of mind by not obtaining the proper special event insurance.

When Should I purchase One Day Event Insurance? 

It’s a good idea to purchase a policy as soon as you begin to pay deposits. Our wedding liability coverage can be purchased up to 1 day prior to the event date.

When Should I purchase Event Cancellation Insurance?

Event Cancellation Insurance provides coverage for the loss of revenue derived from OR expenses committed to an event due to a cancellation, abandonment, interruption, curtailment, postponement or relocation caused by covered perils as defined in the policy as covered perils.  Caterers, photographers and other vendors usually require a significant non-refundable deposit up front with the remainder due by the day of the event. Our event cancellation coverage can be purchased up to 15 days prior to the event date.


What Is Special Event Insurance?

A special event can be as simple as a birthday party or as complex as a month-long state fair. If you are planning a special event, you need to check with a professional insurance agent to determine what coverage, if any, may be provided by your existing insurance and what additional special event insurance you will need to carry. You should obtain insurance for events well before the time it is needed, as the process to underwrite this kind of coverage can be complicated and lengthy.

Special events can involve a many different exposures:

  • Automobile liability
  • Liquor liability
  • Aircraft liability
  • Spectator liability
  • Products liability
  • General premises liability
  • Animal liability
  • Liability for rented or loaned property
  • Damage to owned property
  • Medical malpractice if you have a first aid station

Standard personal or commercial policies will not cover all these exposures. In most cases you will find that you are better off having event insurance that is specifically tailored to cover your situation.

What Events does Special Events Insurance Cover?

We write event policies to protect you from all of these possibilities and more so you can host your event and enjoy it too. Below are a few of the major event types we provide coverage for. Click on the bold link after the description if you want more information about coverage for this type of event. We cover the UNEXPECTED.

Eligible events we can cover and may include functions such as (But NOT limited to):

  • Art Displays
  • Auctions
  • Banquets
  • Bazaars
  • Charity Events
  • Concerts
  • Conventions
  • Craft Displays
  • Graduations
  • Lectures
  • Meetings
  • Pageants
  • Parades
  • Proms
  • Religious Assemblies
  • Reunions
  • Seminars
  • Social Gatherings
  • Trade Shows
  • Video Productions
  • Wedding & Receptions
  • MANY more…

Standard Liability Limits

$1,000,000 One Day Event Insurance as low as $110 with Immediate Coverage.
Occurrence $1,000,000
General Aggregate $5,000,000
Aggregate Products / Completed Operations $5,000,000
Personal / Advertising Injury $1,000,000
Damage to Premises Rented to You $1,000,000
Medical Payments $5,000

How Much Does One Day Event Insurance Cost?

The cost of special event insurance for a one day, non-hazardous event can cost as little as a hundred dollars or so. The longer the event takes place and the more activities you plan, the higher the price for insurance will rise. Here is the kind of information an underwriter will want to have available in order to price your special event insurance:

  • The nature of the event
  • The length of the event
  • The location of the event
  • A list of all activities planned
  • The number of participants expected
  • What are the provisions for crowd control?
  • Will liquor be served or sold?
  • Are there any amusement rides?
  • Are there activities that can involve injury to spectators?
  • Are vehicles or other motorized equipment involved?
  • Is food to be provided or sold?
  • Are outside vendors involved and will they provide proof of their own insurance?
  • Who is running the event and what experience have they had?
  • Are there any prior claims if the same event has been held previously?
  • What limits of liability are requested?

If you are planning to rent a facility for the event, the owner may require that you purchase special event coverage as a condition of the rental. In many cases, the owner will want to be an additional named insured on the policy.


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Personal & Family Events – Weddings, Anniversaries, Birthdays, Receptions

Wedding Insurance - Special Event Insurance - One Day Event Insurance - Special Event

We cover all of your special events including weddings, anniversary parties, retirement parties and more! Discover how our one day event insurance can give you the peace of mind you need when planning your special day. It’s your day, and you shouldn’t have to put any limits on your fun! If any individual gets injured while attending your event, you may be held liable for medical expenses, loss of income, and other damages due to your unintended negligence.

Whether it’s a birthday party, anniversary or baby shower, organizing a thoughtful event requires meticulous planning, not to mention a lot of energy. Unfortunately, you can’t plan everything and unforeseen occurrences like extreme weather, accidents, or illness could very well leave you in an uncomfortable position. So, whether you’re planning an event for yourself or close family member, special event insurance can minimize your responsibility and loss if you face an unavoidable setbackPersonal & Family Events Online Quote


Music Concerts & Music & Non-Music Festivals – Hip-Hop, Rock, EDM, County and more…

Special Event Insurance - One Day Event Insurance - Crowd with their hands up waving for music.

Concerts can vary from small, one-time events to large, elaborate affairs involving thousands of spectators. Some concerts involve fireworks which can and have caused serious injuries and large legal claims. Large events can also involve issues having to do with crowd control. Crowd control is a challenging issue for concert organizers to deal with. Too little crowd control can cause injuries to spectators and potential liability risks, but too much crowd control can be just as problematic and could also cause you to face a lawsuit if a patron was handled roughly by a bouncer, for example.


Who Needs Festival Insurance?

A festival can be anything from a bake sale in your church parking lot to a large music festival like Lollapalooza. The longer the event, the more activities and the more participants involved, the more likely it is that you’ll need private event insurance. In many cases, you will be required to provide evidence of special event insurance to a third party, like the church administrator for the church parking lot bake sale, or the Parks and Recreation board for a music festival.Festivals & Concerts


Event Cancellation Insurance & Inclement Weather Insurance

Event Cancellation Black and White Stamp - One Day Event Insurance - Special Event Insurance

Event Cancellation Insurance provides coverage for the loss of revenue derived from OR expenses committed to an event due to a cancellation, abandonment, interruption, curtailment, postponement or relocation caused by covered perils as defined in the policy as covered perils.

What is the difference between Event General Liability Insurance and Event Cancellation Insurance?  

Special Event General Liability insurance coverage is required by venue or vendor contract and protects against 3rd party bodily injury or property damage claims.  Event Cancellation Insurance is a specialty insurance coverage and is “elective” in nature, the premium is determined based on the revenue or expense at risk, event type, dates and location of the event and scope of coverage required. Weather and Cancellation Insurance


Equine Events, Horse Show Insurance


Horse Bucking at Rodeo - Special Event Insurance - One Day Event Insurance

We provide special solutions for rodeos, horse shows, livestock shows, ropings, pennings, barrel racings, horse expositions and clinics as well as many other equine and rodeo-type events. We provide insurance solutions for the unique needs of the rodeo, equine and livestock industries. Our clients include major rodeo sanctioning organizations, rodeos and livestock shows, rodeo stock contractors, and horse expositions throughout the United States. Get More Details about our equestrian programs here.