Do We Need Event Liability and Cancellation Insurance?

Groom and bride share a quiet moment together in our vineyard. Photo by Lela Spiva Photography

Heather Featherston

July 5, 2022

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When you first embark on planning your wedding or event, you may have a vision in your mind about what it will look like, the flow of the crowd, the décor, entertainment, and food.
You will probably envision the perfect event, planning everything to look, taste, smell, and feel perfect.
However, there are always things that can go wrong no matter how well you plan, and that’s why it’s important to have event insurance for your upcoming event.

What Could Go Wrong?

Even if you plan well and think that you’ve thought of everything, there can always be that one thing that you didn’t count on that can happen that can either make or break your event, and by that, I mean both financially, and it can have a profound effect on the event itself.
An outdoor wedding in the fall? It sounds enchanting until the weather report says it will be over 100°, and you expect over 100 people. All is well until someone gets dizzy from the heat, trips, and falls, or even worse, passes out from the heat and injures themselves.
What do you do if a storm system comes through, roads are closed, and the venue is inaccessible to you and your guests?
Figuring out how to handle each situation is unique, but having event insurance for every event will ensure that you’ll be covered no matter the problem. You may have to reschedule your wedding or event, but at least you won’t be out your hard-earned money.
Having event insurance is essential and usually required. Ensuring you understand what kind of insurance is necessary to purchase for your event and understanding your options is equally as important. Some companies, like The Event Helper, specialize in event insurance, and you can certainly get in touch with one of them to find out their rates and services. Most are relatively easy to work with, and you can find rates and coverage information on their website.
When you are renting a venue, they will tell you exactly the coverage required to rent the facility when you sign the agreement. If you’re having an event at a residence, you will still want to be covered for anything that could go wrong. You would not want to lose your house if something happens and you’re held liable!
An engaged couple meets with an insurance specialist to obtain event insurance for their wedding

Types of Insurance

Many types of insurance are available to you for an event, and they are all a little different in regards to cost and types of coverage offered. It depends on the kind of event you’re throwing as to the coverage you’ll need to purchase.

General Liability Insurance

Most venues will require only this type of insurance at the rate of $1,000,000 (sometimes $2,000,000) coverage, and you will include their business name as the additional named insured.
There are many types of insurance coverage out there for you to research and see which ones are necessary for your event.

Third-Party Damage Insurance

This type of insurance will cover any damages that may happen to the venue during your event. Things like broken dishware, chairs, stains, and spills on furniture or carpets, and the list goes on. This way, if something happens, your insurance can cover the damages instead of the venue taking it out of your security deposit.

Waiver of Subrogation

Some vendors will require a Waiver of Subrogation. This form of insurance protects the vendor from having to give money back to the insurance company if something happens.

Liquor Liability Insurance

This type of insurance covers anything related to liquor at your event, including your bartenders.
If you have alcohol at your event, this type of insurance is required. However, if you’re renting from a venue with a liquor license, you should be able to provide just the General Liability Insurance, and their insurance will cover the rest.

Cancellation Insurance

This type of insurance covers any deposits or monies you’ve spent on your event that would be affected by an unforeseeable cancellation of the event.

Hired Auto Liability Insurance

This type of insurance covers any vehicles that you will need to rent for your event. In addition, this type of coverage usually includes any auto-related damage or injury that may happen to the driver or property damage caused by the vehicle.

Worker’s Compensation Insurance

This type of insurance covers employees that you hire to work your event. Servers, bussers, bartenders, and even your event planner, if you hire one. This insurance covers injuries that happen on the job and will help offset the sometimes very high medical treatment costs due to the injury.

Special Event Coverage

Special event coverage is a little different than the other types of coverage. This type of insurance is known as offering blanket coverage for many types of claims that could happen at your event. It is also referred to as one-day coverage and is reserved for events like weddings and banquets. This type of coverage often includes General Liability and Liquor Liability Insurance as well.

Terrorism Insurance

This type of insurance isn’t necessary for most weddings and smaller events. However, this type of insurance is highly recommended if you invest in big events and festivals.
This insurance would cover your expenses if an act of terrorism were to occur and affect your event. Though not a standard yet, this type of insurance is becoming more popular.

Where Can I Find Insurance for My Event?

The vendor we work with frequently and recommend is The Event Helper, located right here in Nevada county. They offer low-cost insurance with superior coverage and support. Purchasing event insurance from The Event Helper takes just minutes. Visit their website to get your instant Policy and Coverage immediately. They guarantee to meet your venue’s requirements or will refund all your money back.
The last thing you want at your wedding is for someone to get injured, have something catastrophic happen, or cancel the event altogether due to unforeseen circumstances. But if that happens, having the right insurance for your event will give you the peace of mind that IF something happens, you and your future are covered.

Pinterest graphic for blog Do We Need Event Liability and Cancellation Insurance? by Rough & Ready Vineyards

Heather Featherston

Written by Heather Featherston

Heather, an Event Manager for the Rough & Ready Vineyards, oversees the day-to-day operations. She takes satisfaction in seeing everyone happy and is always grateful for the opportunity to make this happen. Heather enjoys meeting with brides-to-be in order to gather the details needed to ensure their wedding day is perfect! “Every wedding and reception at the Rough & Ready Vineyards is so beautiful,” she says. “I love being able to see people enjoy the amazing venue we have created here!”

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