Do I Need Event Insurance?

When you’re planning an event, the last thing you want to think about is what could go wrong. But the truth is, anything can happen at any time – and if you’re not prepared for it, you could be left footing the bill. That’s where event insurance comes in. Whether you’re planning a wedding, a corporate function, or any other type of gathering, event insurance can protect you from a variety of potential disasters. In this blog post, we’ll explore the basics of event insurance and help you determine if it’s right for your upcoming event.

What is event insurance?

Event insurance is a type of insurance that can cover things like cancellations, weather damage, and injuries that occur during your event. It can also provide coverage for lost equipment or property. Event insurance can be purchased as a standalone policy or as an endorsement to your existing business insurance policy.

Why do I need event insurance?

If you’re planning an event, you may be wondering if you need event insurance. The answer is maybe. It depends on a number of factors, including the size and type of event, the location, and whether or not alcohol will be served.

If you’re still not sure if you need event insurance, here are some things to consider:

The size of your event: If you’re expecting a large crowd, it’s a good idea to get event insurance. The more people who are attending, the greater the chance that something could go wrong.

The type of event: Certain types of events are more likely to need insurance than others. For example, if you’re hosting a wedding or corporate event, you’ll probably want to get coverage. But if you’re just having a small gathering of friends, it’s probably not necessary.

The location: If your event is taking place in a public space like a park or rented hall, you may need to get special liability insurance. This will protect you in case someone gets hurt at your event.

Whether or not alcohol will be served: If alcohol will be served at your event, it’s important to get liability insurance in case someone gets drunk and causes damage or hurts someone else.

What does event insurance cover?

Events can be cancelled or postponed for a variety of reasons, from severe weather to low ticket sales. If your event is cancelled or postponed, you may be able to recoup some of your losses with event insurance.

Event insurance typically covers cancellation, postponement, and loss of deposits due to a covered reason. It may also cover loss of revenue if your event is unable to proceed as planned. Event insurance can help you protect your investment and give you peace of mind in case something goes wrong.

How much does event insurance cost?

Event insurance typically costs between 1-5% of your total event budget. The cost will depend on a number of factors, including the size and location of your event, the type of coverage you need, and the amount of coverage you want.

Where can I get event insurance?

There are a few different ways that you can get event insurance. You can purchase it through a third-party provider, such as Eventbrite or Ticketmaster. You can also purchase it through a specialty insurer, such as CNA or AIG. Finally, you can purchase it through your regular insurance carrier. If you are unsure of which option is best for you, please contact us and we would be happy to help you figure it out.


Event insurance is a must for any business that wants to protect themselves from potential lawsuits. If you are hosting an event, you need to make sure that you have the proper insurance in place to protect your business. Event insurance will cover you if something goes wrong at your event, and it is well worth the investment.