Keep the Fun, Lose the Risk: Special Event Liability Insurance

It’s that time of year again — summer is just around the corner! That means golf tournaments, family reunions, camps, fairs, music festivals, and plenty of other warm-weather events are in full swing.

If you’re thinking about hosting a single-day or multi-day event — whether you’re serving alcohol or not — it’s worth considering a Special Event Liability Insurance policy. This affordable coverage helps protect you as the event organizer in the event of a lawsuit.

What is Special Event Liability Insurance?

Special Event Liability Insurance provides peace of mind for event hosts by covering legal expenses if someone is injured or if property is damaged during your function. It’s a simple way to help safeguard your finances — and your reputation.

What Types of Events Should Consider It?

Here are just a few examples of events that often need Special Event Liability Insurance:

• Golf tournaments

• Family reunions

• Meetings and conventions

• Music festivals or concerts

• Ball or hockey tournaments

• Camps

• Rodeos

• Craft shows or trade fairs

• Film shoots or film festivals

• Theatrical performances

• Youth dances

• Weddings

• And many more!

If your gathering brings people together, especially on rented property or in public spaces, it’s worth asking about coverage.

What Does a Special Event Policy Typically Cover?

A Special Event Liability policy usually includes:

• Commercial General Liability — Limits commonly range from $1,000,000 to $5,000,000.
• Third Party Property Damage & Bodily Injury
• Medical Payments — e.g., $2,500 per person, up to $25,000 total.
• Non-Owned Automobile Coverage
• Food & Beverage Product Coverage
• Cross Liability
• Employees/Volunteers as Additional Insured
• Tenant’s Legal Liability — Typically around $500,000.

Deductibles usually start at $1,000.

Other Event Insurance Options

In addition to general Special Event Liability, there are specialized policies for:

• Weddings: May include cancellation coverage and multiple-day liability.

• Exhibitors: Booths, kiosks, and trade shows.

• Caterers and Party Alcohol: Includes Liquor Liability and Server Liability.

• Safe Grads: Protects schools and committees organizing graduation events.

Getting Covered is Easy

Getting a Special Event Liability policy is simple — it just requires a quick application form. Premiums vary based on the size, type, and details of your event, but the peace of mind is always worth it.

Plan Your Event With Confidence

If you have any questions or would like a quote for an upcoming event, don’t hesitate to reach out to our team. Our knowledgeable brokers are always happy to help you find the right protection so you can focus on making your event a success.

Contact us today — and happy event planning!

Your Costen Insurance Team