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
- Property damage liability
- Medical payments
- 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
- Participant coverage (generally limited to sports)
What Event Insurance Covers
Typically excluded:
- Intentional acts
- Contractual disputes
- Damage to your own property
- Workers’ compensation claims
- Professional liability
- Auto related claims
- Event cancellation (unless purchased separately)
Does Event Insurance Cover Alcohol?
Alcohol-related incidents are only covered if host liquor liability or equivalent coverage is added to your policy. Event Helper includes this coverage at no additional charge. Many venues require this if alcohol is served.
Does Event Insurance Cover Vendors?
No. Vendors must carry their own liability insurance and provide separate COIs to the venue. Event Helper offers vendors one day or multiple day policies as well.
FAQs
Does event insurance cover guests fighting?
Generally no. Coverage may apply depending on circumstances, but intentional acts are typically excluded.
Does it cover weather-related damage?
Weather related damage to property may be covered, but cancellations are not.
Does it cover bounce houses or inflatables?
No. While bounces houses or inflatables are permissible at an event, any injuries or damages related to them are excluded.
Does it cover alcohol served by bartenders?
Yes. Host liquor is included at no additional charge and covers acts the host is responsible for. The bartender would need their own retail liquor liability coverage (selling or professionally serving alcohol) for their own acts.
Does it cover volunteers?
Often yes, depending on policy terms.
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Event Helper offers customizable event insurance with instant COIs.
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for Event Insurance
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