Event Insurance
Event insurance protects the people who organize, host, supply or perform at an event. It covers injury and property-damage claims from guests, damage to rented or owned equipment, liquor liability and, if you choose, the money you lose if the event is cancelled. EventInsure places single-event and annual coverage for events, venues, promoters, vendors, performers and theatrical groups in all 50 states and DC, with A-rated carriers.
EventInsure.net is owned by Movieinsure.com, Inc., an independent licensed insurance broker in Northridge, California. Request a quote or call 888.959.0772.
Which event insurance program fits you?
| Program | Best for | Key facts |
|---|---|---|
| Special Event Coverage | One event: weddings, parties, festivals, concerts, plays, business meetings, holiday events | Over 200 event types. No attendance maximum. Events up to 90 days, in the U.S. or Canada. |
| Annual Events | Organizations that hold events all year | Over 200 event types declared to one annual policy. No attendance maximum, no limit on the number of days. |
| Event Cancellation | Protecting the money you have spent on an event | Cancellation, postponement or abandonment; adverse weather (bought 7+ days ahead); unusable venue; non-appearance. Events up to 90 days with budgets up to $1,000,000. |
| Wedding Cancellation | Couples | Weather, venue or supplier failure, military deployment and more; also rings, attire, photos, gifts, cake and flowers. Weddings in the U.S., Canada, UK, Mexico, Bermuda, the Caribbean (not Cuba) and on cruises from those ports. |
| Promoters | Concert, festival, club, party and trade-show promoters with ongoing events | Liability up to $10 million, equipment up to $2.5 million. Sponsors, advertisers and co-promoters can be added as additional insureds. |
| Venues | The facility where events take place | Liability up to $10 million, equipment up to $1 million. Premium based on estimated admissions; most events do not need to be declared. |
| Vendors & Exhibitors | A vendor, exhibitor or concessionaire at one trade show, fair or festival | Coverage for up to 30 days. No limit on attendance. |
| Annual Vendors & Exhibitors | Vendors and exhibitors who work shows all year | One annual policy for trade shows, fairs, festivals and similar events. |
| Entertainers & Performers | Individual performers: DJs, magicians, clowns, face painters, stilt walkers, speakers and many more | General liability, owned equipment, props and wardrobe, and abuse/molestation coverage. |
| Touring Entertainers | Bands, comedians, touring performers and house bands | Any number of tours or shows per policy. Liability up to $10 million; equipment up to $5 million, worldwide. |
| Theatrical Groups | Theatre companies, touring or at a fixed location | From one-actor shows to major productions. Liability up to $10 million; equipment up to $5 million, worldwide. |
| Foreign Events | U.S.-based organizers with events outside the U.S. | Up to 10,000 attendees a day. Single event (up to 30 days) or annual. Minimum premium $500 single, $1,750 annual, before taxes and fees. |
What event insurance can cover
- General liability: injury to guests or damage to someone else’s property, the coverage venues ask for first.
- Liquor liability: needed whenever alcohol is served. Host liquor is not part of general liability; it has to be added.
- Equipment, props, sets and wardrobe: rented or owned.
- Third-party property damage and participant and spectator medical payments.
- Automobile: hired and non-owned auto liability and physical damage.
- Event cancellation: including adverse weather, for the money already spent.
- Workers’ compensation and excess (umbrella) liability on the programs that offer them.
Certificates of insurance for your venue
Most venues, cities and landlords ask for a certificate of insurance (COI) that names them as additional insured before they let you in. A $1 million general liability limit is a common request, but each venue sets its own. With blanket additional insured coverage, you can have as many certificates as you need. Certificates that need special wording, a special form, or a waiver of subrogation carry an extra fee. Send us the venue’s requirements and we will match them.
What usually needs a different program
Single-event and annual event programs do not cover stunts, pyrotechnics, aircraft, hazardous activities, car races or precision driving, mechanical amusement rides, armed security guards, film production, or live rap/hip-hop and metal music. For those:
- Film, TV and commercial shoots: MovieInsure.com
- Fireworks and special effects: PyrotechnicInsurance.com
- Stunt work: StuntInsure.com
Event insurance: frequently asked questions
What is event insurance?
Insurance for a specific event, or a year of events, that protects the organizer, venue, vendor or performer. At minimum it is general liability. Liquor liability, equipment, cancellation and other coverages can be added.
Can event insurance be backdated?
No. Coverage cannot start before the day it is bound, so buy it before your event and before the venue’s deadline for the certificate.
When does coverage start and end?
Bought ahead of time, coverage starts at 12:01 am on the first day. Bought on the day, it starts as soon as it is bound. It ends at 12:01 am on the last date of the policy, so for an event on July 5, the policy should run to July 6.
Does general liability cover serving alcohol?
No. If alcohol is served, even for free, add liquor liability to the policy.
Can you insure events outside the United States?
Special event coverage applies in the U.S. and Canada. For events elsewhere, the Foreign Events program covers U.S.-based organizers worldwide.
Which states do you cover?
All 50 states and Washington, DC. Choose your state below for local details.
Event insurance by state
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · Washington, DC · West Virginia · Wisconsin · Wyoming
Get an event insurance quote
Request a quote online, call 888.959.0772, or email [email protected]. EventInsure.net · 9036 Reseda Blvd #105, Northridge, CA 91324.