What Does Event Insurance Cover
(and Not Cover)?

Event insurance primarily covers third-party bodily injury and property damage claims arising from your event. It protects you financially if a guest, vendor, or attendee is injured or property is damaged and you’re held liable.

Understanding what’s covered and what’s not helps ensure you’re properly protected.

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What Event Insurance Covers

What most policies include:

Bodily injury liability (guest injuries, slips, falls)
Property damage liability (damage to the venue)
Personal & advertising injury (libel, slander, copyright claims)
Legal defense costs
Additional insured coverage for venues
Host liquor liability

Optional coverage may include:

Retail liquor liability
Hired and non-owned auto (HNOA)
Active assailant
Sexual abuse and molestation (SAM)
Cancellation/Postponement
Participant coverage (generally limited to sports)

What Event Insurance Doesn't Cover

Typically excluded:

Intentional acts
Damage to your own property
Workers’ compensation claims
Professional liability
Auto-related claims
Theft
Assault & Battery
Event cancellation (unless purchased separately)
Certain types of events or services.
These will be listed in the T&Cs and in the policy document

Does Event Insurance Cover Alcohol?

Alcohol-related incidents are generally covered if host liquor liability is included as long as the insured is not in the business of selling or serving alcohol. Bartenders and events selling alcohol need to add Retail Liquor liability.

Does Event Insurance Cover Vendors?

No. Vendors must carry their own liability insurance and provide separate COIs to the venue. Event Helper also offers vendors one-day or multi-day policies.

FAQs

Does event insurance cover guests fighting?
Generally no. Coverage may apply depending on circumstances, but intentional criminal acts, including assault & battery, are typically excluded.

Does it cover weather-related damage?
Weather-related damage to property or injury to guests may be covered if the insured is somehow liable.

Does it cover bounce houses or inflatables?
No. While bounce houses or inflatables are permissible at an event, any injuries or damages related to them are excluded.

Does it cover alcohol served by bartenders?
Host liquor is included at no additional charge and covers acts for which the host is responsible. The bartender would need their own retail liquor liability coverage (selling or professionally serving alcohol) for their own acts.

Does it cover volunteers?
Volunteers are covered if they cause injury or damage under the policy terms. However, there is no coverage if the volunteer is injured while working. That should be covered under your Workers' Compensation policy.

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