Special Event Insurance

Questions

• Do I need one-day event insurance?

  If a venue contract is in front of you, yes — most venues require event liability coverage as a booking condition, with the venue named as additional insured and proof delivered by certificate. Hosts serving (not selling) alcohol usually add host liquor liability. One-day policies exist for exactly this and can be bought up to the day before the event.

• Does event insurance cover cancellation?

  Only if you bought cancellation coverage — "event insurance" is two different products sold under one name. Event liability covers injuries and property damage and is what venues require; event cancellation reimburses non-refundable deposits when covered causes like vendor bankruptcy, extreme weather, or illness force you to cancel or postpone. A liability-only policy pays nothing for a called-off event.