Insure Your Special Event
Why Do You Need Event Insurance?
- Venue RequirementsMore venues are asking clients to buy a one-day event liability policy. This is because they don’t want to be fully responsible for any damage to their property.
- RefundsMany wedding and event vendors have strict no-refund policies, meaning they don't give money back even if you cancel or postpone your event for any reason.
- Bad WeatherWedding insurance can cover cancellation costs or expenses for moving to a new venue if extreme weather, like a hurricane, tropical storm, or major snowstorm, makes your venue unusable or inaccessible.
- Homeowners Insurance Isn't EnoughHomeowners insurance usually has limited coverage for events. It typically only covers events held at the bride or groom’s home and includes liability protection, but not cancellation costs.
Planning and hosting a special event in your life, whether it is a wedding, anniversary, milestone birthday, or any celebration that involves friends and family coming together to celebrate is an amazing experience. So much time, effort, organization, and finances go towards achieving the perfect event. It is often required to pay in advance for many event services, such as venues and vendors for food, entertainment, decorations, photography, etc. which makes planning an event a costly endeavor as well. Usually everything comes together perfectly, and the memories made are priceless.
But life is unpredictable.
Imagine you have contracts with multiple vendors and have paid multiple deposits for a special event, but you unexpectedly must cancel for a reason that is out of your control. How do you get your money back? Or what if during your event, a guest has too much to drink, causes an injury or damage, and you are held responsible as the host of the event?
These unfortunate situations can ruin a special occasion and cause significant financial loss. Not only do you forfeit what you paid for the event, but then you potentially have the added cost of paying for a legal defense. With event cancellation and liability insurance coverages, your insurer provides a shield of protection and defense against financial loss in various situations.
Cancellation Coverage
- Venue/Vendor Goes Out of BusinessIf your contracted venue or vendor has taken deposits from you for an event and then files bankruptcy or closes their business, your cancellation coverage will refund the money you have paid up to your policy limits.
- Extreme Weather / Natural DisasterMost venues/vendors do not have insurance coverage for extreme weather, such as floods, hurricanes, earthquakes, etc. Even if a disaster does not destroy the venue, it could prohibit travel or prevent the event from taking place. A venue may not be able to issue a refund in this situation, however, with cancellation insurance, your refund is assured.
- Unexpected Illness, Injury, or DeathEvent contracts often do not include a clause that entitles you to a refund in the case of an illness, injury, or death that would force an event cancellation. With cancellation insurance, you would be entitled to a refund of your deposits if this situation arises.
- Additional CircumstancesUnexpected Military Deployment, Damaged/Stolen Formal Attire, Gifts, or Jewelry, Damage/Loss of Professional Photography & Videography
Liability Coverage
- Guest Accidental InjuryIf a guest suffers an injury during your event, you would likely be included in a claim or lawsuit as the event host. Rather than paying medical expenses or hiring a lawyer yourself, your event liability policy provider will handle the claim.
- Liquor LiabilityChoosing to provide alcohol at an event is very common, but it is a significant liability for the host. Whether you choose a venue with a liquor license or hire a licensed bartender, if a guest causes an injury or damage because of alcohol consumption, you are liable in addition to the venue or vendor. Having your own liability insurance coverage guarantees your defense.
- Damage To PropertyIf guests at your event cause damage to the venue or a vendor’s equipment, you could be held accountable. The cost to repair or replace damaged property can be very expensive, but with liability insurance, you would save from having to pay out of pocket.
- Illness or Injury Caused by Third Party VendorsIf any hired vendors for your event cause an illness or injury (for example, if the caterer causes food borne illness) you could be held responsible as well. Most vendors are required to carry their own liability insurance to protect themselves, however, this does not apply to you if there is a claim. Having your own liability insurance policy is the best way to ensure you are protected as well.
How It Works
Most Event Types Are Supported
Wedding
Anniversary Party
Baby Shower
Baptism
Bar/Bat Mitzvah
Birthday Party
Business Dinner
Business Meeting
Brunch
Car Show
Cars & Coffee
Class Reunion
Corporate Private Party
Engagement Party
Family Reunion
Fundraising Event
Graduation/Achievement
Holiday Party
House Warming
Memorial Service
Non-Profit Function
Quinceañera
Retirement Party
Wedding Shower
Other - Business
Other - Personal
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AHI is backed by the largest companies in the industry and insure countless events around the nation!
Relax and enjoy your big day!
Frequently Asked Questions
Event Insurance is a General Liability policy designed to protect the event holder for most claims of guest or spectator injury or property damage arising from the event. This type of coverage is often required from the venue.
Event Liability Insurance is most often purchased to meet the requirements in the rental agreement of the venue. The venue is doing their renter a huge favor by requiring this type of protection. Event Liability Insurance is intended to protect the event holder (venue renter) from having to pay out of their own pocket for most claims of injury or property damage due to their event. Policy exclusions will apply. ::˝
Event Liability Insurance can protect you in case there is a claim for bodily injury or property damage at your event. Without this insurance this claim could otherwise cause you or your business a huge financial hardship.
It’s a good idea to purchase a policy as soon as you begin to pay deposits. Caterers, photographers and other vendors usually require a significant non-refundable deposit up-front with the remainder due by the day of the event. Our event cancellation coverage can be purchased up to 14 days prior to the event date, and our event liability coverage can be purchased up to one day prior to the event date.
For our event cancellation policy to cover extreme weather or acts of nature, as defined in the policy, the policy must have been purchased at least 15 days prior to the anticipated or actual extreme weather that causes the cancellation. It's a good idea to purchase your event cancellation policy at the beginning of the event planning process, as it helps ensure you are protected when a hiccup like covered extreme weather event threatens to disrupt your big day.
Coverage may be provided if weather conditions are extreme enough to prevent the honoree, the honoree’s immediate family, an active participant in the event or more than half of the guests from attending your event. However, the event cancellation policy must have been purchased at least 15 days in advance of the anticipated or actual extreme weather or act of nature.
Our event cancellation policy may cover the “day of the event” expenses of hair, make-up and nails of the honoree if their event is cancelled or postponed due to a covered circumstance.
If an accident or illness prevents the guest of honor or an immediate family member from attending the event, we can provide coverage if illness is not due to a pre-existing medical condition.
Gifts that are lost or damaged seven days prior to and seven days after the event may be covered up to the applicable limit set forth in your policy. There is a $300 limit on cash, checks and gift cards.
Our event cancellation insurance can provide coverage for special attire that is lost, stolen or damaged before the event. Some exclusions apply.
Event cancellation insurance may provide coverage for the guest of honor is serving full-time, active duty in the armed forces, police or fire department and must postpone the event due to withdrawal of a previously granted leave or unforeseen deployment.
Our event cancellation policy may provide coverage if your film or digital files are lost or damaged before you take possession of them. The policy does not cover photographer errors such as under or overexposure.
Yes. Event cancellation policies have a $25 deductible for each area of coverage. Event liability policies have a $1,000 deductible for property damage.