Are you planning on hosting a party, wedding or another event? Will you be hosting an event that alcohol will be served, or an event that is hosted in a publicly owned building? You may require special event liability.
Special event liability will protect you in the event that someone suffers bodily injury or property damage at your event. Special event liability is also a requirement of the county or city that owns the building and they often request to be listed as an additional insured. It is also recommended that coverage be in place at least 30 days before your event will take place to prevent any issues with the hall rental. If you will be serving alcohol or if it is consumed at the event you are hosting you should also have host liquor liability. This will cover you in the event that someone is injured or negligent after they have consumed alcohol at the event. You could even be liable if a guest leaves the event and does something negligent that results in bodily injury or property damage.
There are many different types of events that coverage can be purchased, whether they are single day events or multi-day events. Some event examples are music festivals/concerts, conventions, dances, craft shows, graduation parties or even family reunions. This can also include sporting events that require participant liability coverage. Participant liability covers the host of the sporting event if there is a lawsuit due to someone being injured while engaging in the sporting event.
Thinking of hosting an event? Call one of our brokers at Morison Insurance to get you a quote today!
– Written by our brokers Bill and Susan B.
This blog is provided for information only and is not a substitute for professional advice. Please call our Morison Insurance brokers at 1-800-463-8074 for more information.