Event Insurance and Special Event Insurance: What This Coverage Includes
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Event Insurance protects your event from the unexpected, whether it’s a slip-and-fall, weather disruption, or last-minute cancellation. Our customizable policies cover one-day events of all sizes, from weddings and festivals to conferences and private parties.
Event insurance
Whether you’re planning a one-day celebration, a live concert, a wedding, or a food festival, event insurance helps protect you from the unexpected. From property damage and equipment loss to injury claims and cancellations, the right policy keeps your business and your guests safe.
Choose from tailored insurance options for DJs, videographers, bands, venues, and more, all designed to give you peace of mind and let you focus on what matters: delivering a successful event.
What does event insurance cover?
General event insurance protects against a range of potential issues, including things like property damage, injuries, vendor no-shows, and even weather-related cancellations. While coverage varies by provider, most policies include:
General liability insurance
Essential protection if someone is injured or property is damaged during your event. Most venues require this coverage to keep everyone safe.
Liquor liability insurance (optional)
Coverage for events where you serve or sell alcohol. Many venues require this add-on.
Damage to rented premises
Protects you if you accidentally damage a space or venue you’re using for your event.
Medical payments coverage
Pays for minor injuries to guests or participants, regardless of who is at fault.
Professional liability insurance
Ideal for service providers like photographers, videographers, DJs, bands, dancers, and caterers, covers claims of errors, omissions, or missed services.
Products & completed operations
Covers claims related to food, drinks, or products you offer or sell at your event, even after the event is over.
Additional insureds
Easily add venues, clients, or sponsors to your policy at no extra cost to meet contract requirements.
Workers’ compensation (optional/additional)
If you have employees working your event, this policy can cover medical expenses and lost wages if they’re injured on the job.
Why choose farmer brown for your event insurance?
Rated carriers like Liberty Mutual & Zurich
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Over 25,000 events insured
FAQs for event insurance
What is event insurance and why do I need it?
Event insurance protects you from financial loss due to accidents, property damage, or cancellations. Many venues and vendors require it.
What does event insurance typically cover?
Typical coverage includes general liability, property damage, event cancellation, and liquor liability if alcohol is served.
Who should get event insurance?
Event hosts, venue owners, DJs, caterers, performers, and other vendors may all benefit from having coverage for their role in the event.
How much does event insurance cost?
Is event insurance required by law?
While not always legally required, many venues and municipalities require proof of insurance through contracts or permits.
Can I get coverage for just one day?
Yes. One-day event insurance is available and ideal for weddings, private parties, concerts, and other short-term events.
Does event insurance cover weather cancellations?
Some policies offer cancellation or postponement coverage for weather or other unforeseen issues. Always review your policy’s terms.
How quickly can I get proof of insurance?
Farmer Brown Insurance can usually issue a certificate of insurance within minutes of purchase, making it fast and convenient to get covered.
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