Hosting a Holiday Party or New Year’s Eve Event?

The holiday season is all about celebrating. From company holiday parties and family gatherings to festive fundraisers and New Year’s Eve celebrations, it’s the time of year when people come together to eat, drink, dance, and make memories.  More guests, food, drinks, decorations, entertainment, and crowded dance floors can mean more opportunities for an unexpected accident. A spilled drink might be a minor inconvenience.  A guest slipping on a wet floor, an accident involving alcohol, or damage to a rented venue could turn your celebration into an expensive headache.  Fortunately, protecting your event doesn't have to be complicated. With Event Helper, getting the right event liability coverage is fast, easy, and affordable, so you can focus on celebrating, not worrying about what could go wrong.

Why Do You Need Event Insurance for Your Holiday Party?

Whether you’re organizing a company holiday party, hosting a private celebration, or renting a venue for a New Year’s Eve event, accidents can happen. And when they do, the financial consequences may be more serious than you expect. Liability insurance helps protect you from the unexpected. It provides coverage for eligible claims involving bodily injury to guests or damage to someone else’s property during your event, subject to the policy’s terms, conditions, and exclusions.

1. Accidents Happen at Even the Best-Planned Parties

You can plan every detail perfectly and still have an accident. A guest trips going down a flight of stairs. Someone slips on a wet floor. A crowded dance floor leads to an unexpected injury.  If an injured guest holds you responsible, you could face legal expenses, medical-related claims, or other costs associated with a covered liability claim. Without appropriate insurance, those expenses could come directly out of your pocket (or your organization's budget).  Special event insurance is designed to help protect against covered third-party bodily injury and property damage claims. It provides an important layer of financial protection when the unexpected interrupts your celebration.

2. Your Venue May Require Proof of Insurance

Renting a hotel ballroom, banquet hall, private event space, restaurant, or other venue? Don't assume your reservation automatically includes the liability coverage you need.  Many venues require event organizers to purchase their own special event liability insurance before the event takes place. They may also require specific coverage limits and ask to be named as an additional insured on your policy.

3. Serving Alcohol Can Add Another Layer of Risk

Champagne toasts, holiday cocktails, and New Year's Eve celebrations often go hand in hand. But alcohol can introduce additional liability concerns for event hosts and organizers.  Depending on the circumstances and applicable law, hosts may face claims related to alcohol-related incidents, including accidents involving guests who have been drinking.  Event Helper offers event liability coverage options that include host liquor liability at no additional charge.  

4. Your Company's Insurance May Not Cover Everything You Think It Does

Planning a corporate holiday party? Don't automatically assume your employer's existing business insurance covers every risk associated with the event.  Coverage depends on the company's policy, the nature of the event, who is organizing it, where it takes place, and the applicable policy terms and exclusions. An off-site party, a rented venue, or an event involving outside vendors may present different insurance considerations than everyday business operations.  Even when a company has general liability insurance, the venue may still require a separate event-specific policy or a certificate meeting its particular requirements.

5. Renting a Venue Brings Increased Risk of Property Damage Claims

You might be renting a beautiful ballroom, a local banquet hall, or a unique event space for the evening. But what happens if a guest accidentally damages part of the property?  A broken fixture, damaged wall, or other accidental property damage could result in a claim against the event organizer, depending on the circumstances and the rental agreement.  Event liability insurance may help cover eligible third-party property damage claims.  Insurance isn't an excuse to skip the precautions. It's an added layer of protection when an otherwise wonderful evening doesn't go exactly as planned.

6. The Cost of Insurance Is Small Compared With the Potential Cost of a Claim

Holiday parties already come with plenty of expenses: food, drinks, entertainment, decorations, venue rental, and transportation. Insurance might seem like one more item on a long checklist, but it can be one of the most valuable.  A covered liability claim can involve expenses far beyond the original cost of the celebration. With Event Helper, holiday party liability coverage starts at just $105 for smaller parties. Your actual price will depend on your event details and selected coverage.

Why Choose Event Helper?

• Fast and easy online purchasing. Get a quote and purchase eligible coverage online in minutes. No complicated back-and-forth or unnecessary paperwork. Your certificate of insurance is available to document your coverage and can name your rented venue as an additional insured when appropriate.

• Host liquor liability included at no extra charge. Raise a glass with greater peace of mind. Event Helper's eligible event liability coverage options include free host liquor liability.

• Affordable coverage. Liability coverage for smaller holiday parties starts at just $105, helping you protect your event without stretching your budget.

• Coverage designed to meet venue requirements. Event Helper helps you obtain the documentation venues commonly request. If your purchased policy doesn't meet your venue's insurance requirements, you'll get your money back.

• Coverage for the celebrations you're actually planning. From corporate holiday parties and family gatherings to birthday parties, anniversaries, fundraisers, and New Year's Eve celebrations, Event Helper offers coverage options for a wide variety of private and special events.

• Experience you can trust. Event Helper is a leader in special event and wedding insurance, with more than 15 years dedicated to helping people protect the events that matter to them.

Celebrate With Confidence This Holiday Season

Your holiday party should be remembered for the great food, the laughter, the dancing, and the countdown to midnight, not an unexpected accident or insurance headache.  Whether you're hosting an office holiday party, organizing a festive fundraiser, gathering family and friends, or ringing in the New Year at a rented venue, Event Helper makes it easy to explore affordable event liability coverage.  Get your quote today at TheEventHelper.com and spend less time worrying about the paperwork and more time enjoying the party!

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