3 min read
26 May

What is Event Insurance?

Event insurance is a specialized type of insurance policy that provides coverage for various risks associated with organizing and hosting events. This can include protection against accidents, injuries, property damage, and cancellations, ensuring that event organizers are financially protected against unforeseen circumstances.

Why Event Insurance is Important

Event insurance is crucial for several reasons:

  • Financial Protection: Covers unexpected costs due to accidents, property damage, or cancellations.
  • Liability Coverage: Protects against legal liabilities if attendees are injured or property is damaged.
  • Peace of Mind: Allows event organizers to focus on the event without worrying about potential financial losses.

Types of Event Insurance Coverage

  1. General Liability Insurance
    • Covers bodily injury and property damage that might occur during the event.
    • Essential for protecting against claims from attendees.
  2. Cancellation Insurance
    • Provides reimbursement for non-refundable expenses if the event is canceled due to unforeseen circumstances like weather, illness, or venue issues.
    • Important for safeguarding against significant financial loss.
  3. Property Insurance
    • Covers damage or loss of property used for the event, including equipment, decorations, and other valuable items.
    • Ensures that event organizers are not out-of-pocket for damaged or stolen items.
  4. Liquor Liability Insurance
    • Required if alcohol is served at the event.
    • Protects against claims resulting from alcohol-related incidents.
  5. Special Coverage Options
    • Additional coverages tailored to specific types of events, such as weddings, concerts, or corporate events.
    • Includes coverages like non-appearance insurance, which protects against losses if a key performer or speaker cannot attend.

Top Event Insurance Companies

Choosing the right event insurance provider is crucial for ensuring comprehensive coverage. Here are some of the top event insurance companies:

  1. Hiscox
    • Overview: Offers a range of event insurance products tailored to different event types.
    • Services: Provides general liability, property, and cancellation insurance.
    • Reputation: Known for excellent customer service and customizable policies.
  2. EventHelper
    • Overview: Specializes in providing affordable event insurance for small to medium-sized events.
    • Services: Offers general liability, liquor liability, and cancellation insurance.
    • Reputation: Highly regarded for its easy-to-use online platform and competitive pricing.
  3. Markel
    • Overview: A leading provider with comprehensive event insurance coverage options.
    • Services: Offers a wide range of coverages including general liability, cancellation, and property insurance.
    • Reputation: Known for its robust policies and extensive experience in event insurance.
  4. WedSafe
    • Overview: Focuses on wedding insurance but also offers coverage for other events.
    • Services: Provides liability, cancellation, and special coverages for weddings.
    • Reputation: Trusted by many for its specialized wedding insurance offerings.
  5. Travelers
    • Overview: Offers extensive event insurance coverage for various types of events.
    • Services: Provides general liability, property, and cancellation insurance.
    • Reputation: Known for its strong financial stability and reliable claims processing.

How to Choose the Right Event Insurance

When selecting an event insurance provider, consider the following factors:

  • Coverage Needs: Determine what types of coverage are necessary based on the event type and size.
  • Reputation: Choose a provider with positive reviews and a good reputation in the industry.
  • Policy Flexibility: Look for companies that offer customizable policies to fit specific event requirements.
  • Customer Service: Opt for providers known for excellent customer support and easy claims processing.
  • Cost: Compare quotes from multiple providers to find competitive pricing that fits your budget.


Event insurance is an essential safeguard for any event, providing crucial protection against a range of potential risks. By choosing a reputable provider and understanding your coverage needs, you can ensure that your event goes off without a hitch, no matter what surprises come your way.

Frequently Asked Questions (FAQs)

Q1: What does event insurance typically cover?

Event insurance covers a range of risks, including general liability, property damage, event cancellation, and liquor liability.

Q2: Is event insurance necessary for small events?

Yes, even small events can benefit from insurance to protect against unexpected costs and liabilities.

Q3: How much does event insurance cost?

The cost varies depending on the type of event, coverage needs, and the insurance provider. It's advisable to get quotes from multiple providers.

Q4: Can I get a refund if my event is canceled?

Cancellation insurance can provide reimbursement for non-refundable expenses if the event is canceled for covered reasons.

Q5: How do I choose the right amount of coverage?

Assess the potential risks and financial impact of those risks to determine the appropriate coverage limits for your event. 

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