Event Insurance protects you from financial loss when things go wrong at events you plan or host. Whether you’re organizing a wedding, concert, corporate seminar, or community fundraiser, unexpected problems can arise. Equipment can fail. Weather can cancel your plans. Someone might get hurt. Without insurance, you could be stuck with hefty bills.

Here’s a breakdown of the key coverages to consider when purchasing event insurance:

General Liability Insurance

General liability is essential for any event. It covers third-party bodily injury or property damage caused during your event.

If a guest trips over a cord or someone damages the venue, this policy helps pay for medical bills, repair costs, legal fees, and any settlements or judgments. Most venues require this coverage before they allow you to host your event.

Event Cancellation Insurance

Sometimes, events get canceled or postponed due to circumstances beyond your control. This coverage protects your investment.

If severe weather, illness, natural disasters, or vendor no-shows force you to cancel or reschedule, cancellation insurance helps you recover non-refundable deposits and lost revenue. It also reimburses expenses you’ve already paid, such as catering, rentals, or travel.

Property Insurance

If you own or rent valuable items for the event—like tents, lighting, AV equipment, or staging—property insurance offers protection.

It covers damage or loss caused by theft, vandalism, fire, or accidents during setup, the event, or takedown. This is especially useful for event planners, vendors, and production crews managing expensive gear.

Liquor Liability Insurance

Planning to serve alcohol? You need liquor liability insurance. If a guest drinks too much and causes an accident or injury, this coverage protects you.

Even if you hire a bartender or caterer, you could still be held responsible. This insurance helps pay for legal costs, medical bills, or property damage caused by intoxicated guests.

Workers’ Compensation Insurance

If you employ staff or rely on volunteers, workers’ comp coverage is crucial. It protects your business if someone gets injured or sick while working your event.

It helps pay for medical treatment, lost wages, and rehabilitation. Many states require this insurance if you have employees—even temporarily.

Special Event Liability Insurance

This type of policy offers broader protection for one-time or short-term events. It goes beyond general liability to include coverage for:

• Personal injury claims (like libel or slander)

• Damage to rented spaces

• Legal defense fees

• Accidents involving temporary structures or activities

It’s a smart choice for weddings, festivals, exhibitions, or large private parties.

Non-Owned and Hired Auto Liability Insurance

Using rented vans, trucks, or personal vehicles to support your event? This coverage protects you from liability if those vehicles are involved in an accident.

It covers damages to other people’s property or injuries to third parties. Your event may involve transporting equipment, supplies, or even guests—so this coverage adds peace of mind.

Why Event Insurance Matters

You spend time, money, and effort organizing a successful event. One accident or disruption can threaten everything. Without coverage, you could face lawsuits, lose income, or owe vendors out of pocket.

Event insurance helps you:

• Stay compliant with venue or vendor requirements

• Protect your finances

• Avoid legal battles

• Focus on your guests—not your risks

Let’s Make Sure You’re Covered

Every event is different. The right policy depends on your location, guest count, activities, and more.

Call Combined Insurance Service LLC at 816-847-1911 today. We’ll help you find the perfect coverage so you can focus on making your event a success.