Does General Liability cover Special Events?

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Watching television shows like the Real Housewives and My Sweet Sixteen can make us envious of parties and fun events. Whether it be a birthday party, concert, sporting event, or business function we like to make sure it is enjoyable by all of our guests. Whenever there is an increased number of people at an event that you are hosting, or are responsible for, it is critical that you purchase Special Event Insurance. Special Event Liability is a policy that will protect you from lawsuits stemming from bodily injury or property damage in conjunction with your event.

Who Needs Special Event Insurance?

Anyone who is hosting an event that is outside of their normal day-to-day operations should have a Special Event Insurance policy. Also, most venues will require that you provide them with proof of insurance for the event. Often, specific events are excluded within your homeowners or General Liability policy. Even if it is not, would you want to have your claims history impacted by a claim that results from a one-day event? Surely not.

Why Would a Singular Event Need Insurance?

In addition to the exclusions and claims impact on your other insurance policies, some reasons to have an Event Insurance Policy include but are not limited to:

  • Liquor Liability - Most Event Liability insurance policies cover host liquor liability. If you plan on having alcohol at your event, which is the case more often than not, this is an essential coverage.
  • Primary - The Special Event insurance will be primary for the event over and above any other liability policies that you have. This means that this policy will pay first, hopefully avoiding the use of any other policy.
  • Cancellation - Unforeseen circumstances happen every day. You can add event cancellation coverage to your policy if something causes you to have to cancel your event. This is especially beneficial to businesses and those who have concert events who spend a lot of money on venues, as they usually require a hefty down payment.

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How Does it Differ From Wedding Insurance?

Wedding insurance policies are slightly different from a regular Special Event insurance policy in that there are specific wedding coverages available. This includes cancellation or postponement, Liquor Liability insurance, and possibly theft of gifts. If you are having or hosting a wedding, either policy will work, just be aware of your risks and needs before you decide.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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