Wedding Insurance – Protect the Best Day of Your Life

Event Insurance Coverage Summary

Event Insurance is a specialty insurance policy designed to indemnify you (the insured) from certain types of claims arising from accidents taking place during a covered event. It offers you protection from damage to the facility caused by a guest or vendor, and bodily injury to guests you are found liable for during the event. It is written in a manner that meets the insurance requirements that most venues require for you to host an event at their venue. Please review the event insurance coverage summary below:

Event Insurance Coverage Summary Per Event Limits:

  • $2,000,000.00 General Aggregate
  • $1,000,000.00 Product/Completed Operations
  • $1,000,000.00 Personal/Advertising Injury
  • $1,000,000.00 Each Occurrence
  • $300,000.00 Damage to Premises Rented to You
  • None General Liability Deductible
  • Additional coverage available up to $10M per Occurrence/$10M Aggregate

Event Insurance Inclusions:

  • Artist Liability
  • Attendance Limitation
  • Commercial liquor liability is available at an additional premium – cost varies per state
  • Contractual liability
  • Coverage for all 50 states
  • Host liquor liability provided (those not in the business of serving and selling)
  • Medical Coverage available for an additional premium
  • Multiple additional insureds can be added for $109 each in premium
  • Non-Owned Hired Auto is available at an additional premium
  • Property Damage as part of General Liability
  • Rented Equipment (Inland Marine) is available at an additional premium
  • Set up and take down included (one day before & one day afterward)
  • The facility can be named as an additional insured at no extra cost
  • Volunteers can be named additional insureds
  • Waiver of Subrogation available for an additional premium
  • Additional Coverages:
  • Event Cancellation
  • Prize/Indemnity
  • Weather
  • Exclusions:
  • Aircraft & Balloon Events
  • Aircraft or Watercraft
  • Animals
  • Asbestos
  • Assault & Battery
  • Body Piercing
  • Bounce House or Inflatable
  • Bungee Jumping
  • Circus and Carnivals
  • Collapse of Temporary Structures
  • Communicable Diseases (Hepatitis, TSE, HIV, HTLV or AIDS)
  • Employment Related Practices
  • Expected or Intended Injury
  • Fungi or Bacteria
  • Hang Gliding
  • Hot Air Ballooning
  • Kayaking
  • Lead Liability
  • Mechanical Amusement Devices
  • Motorcycle Riding
  • Mountain or Rock Climbing
  • Nuclear Energy
  • Parachuting
  • Parasailing
  • Professional Liability
  • Pyrotechnics
  • Racing using a land vehicle, aircraft or watercraft
  • Riding amusement rides
  • Rodeo Activity
  • Scuba Diving
  • Sexual Abuse/Molestation
  • Silicosis
  • Stage Diving
  • Stunts
  • Tattooing
  • Total Pollution
  • Tractor/Truck Pulls
  • War