Nearly every single special event does involve refreshments. The location you select must have adequate preparation, refrigeration and storage facilities for the types of food you plan to serve. Will your food be prepared by your employees or volunteers? Or will you have a vendor or independent contractor provide it? Will there be health tests required for those who will be handling food? Will employees or volunteers be knowledgeable about the details involved regarding potential for food spoilage and contamination? Are any permits required to provide food service at your special event? The risk of food poisoning and contamination is real and special precautions should be taken with all food handling and service at your special event.
Your special event insurance most likely will require that any subcontracted food service entities maintain their own special event insurance policy and name you as an additional insured along with an endorsement to their special event insurance policy.