Understanding Event Insurance

Bowen's Wharf Seafood Festival - Event Insurance

Today’s busy lifestyles are filled with social gatherings from community festivals to regattas and fundraisers to weddings. If you organize family, business or community events, you know how much planning and effort is involved to make the occasion both safe and special for everyone. Even with the most careful planning, unexpected situations can arise that you might not be prepared for… we can help!

Wedding Insurance

Your wedding is a magical day that you hope will be perfect. Sometimes reality has other plans. No matter how carefully you plan your wedding day, circumstances beyond your control may cause you loss or hardship. That’s why it’s a good idea to protect your special day with wedding insurance. There are two types of event insurance to consider.

Event Cancellation Insurance, often referred to as “wedding” insurance, can be used to cover a 50th anniversary party, a bar mitzvah, a graduation party or any special occasion you might be planning. It is designed to provide financial protection if you have to cancel or postpone a gathering due to adverse weather and natural disasters such as hurricanes. Most policies also provide coverage for cancellation due to the death, illness or serious injury of a key participant in the event, such as members of the immediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.

Special Liability Insurance protects against bodily injury and property damage claims arising from operations, premises, products advertising and personal injury liability including alcohol-related accidents caused by a vendor or guest that may arise during any covered special event. In order to qualify, events must meet the following criteria:

  • Event attendance must be fewer than 12,000
  • Event days must be consecutive
  • The event has a maximum of 10 consecutive event days (excluding set-up/tear down)
  • The event must be held at a single location
  • That location must not be owned by the named insured

Adding event insurance coverage to your pre-event ”To Do” list will literally insure your peace of mind during your special event and may save you a very long post-event “To Do” list too!

Give us a call at 401-846-9629 while planning your special day. In any event, let us make sure that you are and your guests are protected. We’re here to help!

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