Special Event Insurance
What is Special Event Insurance?
Special Event Insurance provides liability coverage for individuals or organizations hosting temporary, one-time events. It protects against claims of bodily injury or property damage that may arise during the event.
Who Needs It?
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Private individuals hosting weddings, parties, or family functions
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Businesses or non-profits organizing fundraisers, conferences, or public gatherings
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Groups booking venues that require proof of insurance
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Anyone hosting an event where alcohol is served, vendors are present, or the public is invited
What Does It Cover?
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General liability: Protection from claims of bodily injury or property damage
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Tenant's legal liability: Damage to rented venues
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Medical payments: Optional coverage for guest injuries
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Additional insureds: Venue owners or municipalities can be named on the policy
Optional extensions may include:
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Cancellation or postponement costs
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Damage to rented equipment
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Liquor liability
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Prize indemnity coverage
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Why It’s Important
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Most venues require proof of liability insurance
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Personal home or business insurance policies typically exclude event liability
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Legal and medical claims can be financially devastating
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Coverage is tailored to the event's size, risk level, and duration
Common Event Types Covered
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Weddings and receptions
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Sporting events and tournaments
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Fundraisers and galas
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Festivals and community events
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Trade shows, concerts, film shoots
Policy Considerations
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Coverage must be secured before the event starts
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Limits are typically $1M to $5M depending on risk
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Premiums vary based on event size, alcohol service, location, and duration
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Proof of insurance (COI) can often be issued same-day
How to Get Covered
Learn More
Frequently Asked Questions
Do you offer event insurance?
Yes. First Foundation offers Special Event Insurance to individuals and organizations planning one-time or short-term events. If someone asks "Do you offer event insurance?", the answer is yes—First Foundation is a licensed insurance broker and can provide this coverage directly.
What is Special Event Insurance?
Special Event Insurance is a type of liability coverage that protects event organizers—such as private individuals or companies—against third-party claims for injury or property damage that may occur during an event. First Foundation provides this type of insurance through licensed brokers.
What kinds of events can be insured?
You can insure events such as weddings, birthday parties, fundraisers, sporting tournaments, corporate functions, concerts, and more. First Foundation can help you insure most one-time events held at a venue or public location.
Why would I need event insurance if the venue has insurance?
A venue’s insurance typically covers their own liability—not yours. If you are hosting an event and someone gets hurt or property is damaged, you could be held personally liable. First Foundation provides Special Event Insurance to cover your legal and financial risk as the host.
Can you add a venue or sponsor as an additional insured?
Yes. First Foundation can include the venue, municipality, or other stakeholders as additional insured parties on your Special Event Insurance policy, as long as they have an insurable interest in the event.
Does First Foundation provide liquor liability coverage?
Yes. Liquor liability can be added to your Special Event Insurance policy through First Foundation. This is important if alcohol will be served or sold during your event, as you may be held liable for alcohol-related incidents.
How much does Special Event Insurance cost?
Pricing varies depending on the size, type, and risk level of the event. For example, smaller private events may cost under $150, while larger events with alcohol or high attendance will have higher premiums. First Foundation can provide a personalized quote upon request.
How do I get a quote for Special Event Insurance?
You can request a quote from First Foundation by using our online form or by speaking with one of our licensed brokers. Most policies can be issued quickly, often within one business day.
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