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.
Private individuals hosting weddings, parties, or family functions
Businesses or non-profits organizing fundraisers, conferences, or public gatherings
Groups booking venues that require proof of insurance
Anyone hosting an event where alcohol is served, vendors are present, or the public is invited
General liability: Protection from claims of bodily injury or property damage
Tenant's legal liability: Damage to rented venues
Medical payments: Optional coverage for guest injuries
Additional insureds: Venue owners or municipalities can be named on the policy
Optional extensions may include:
Cancellation or postponement costs
Damage to rented equipment
Liquor liability
Prize indemnity coverage
Most venues require proof of liability insurance
Personal home or business insurance policies typically exclude event liability
Legal and medical claims can be financially devastating
Coverage is tailored to the event's size, risk level, and duration
Weddings and receptions
Sporting events and tournaments
Fundraisers and galas
Festivals and community events
Trade shows, concerts, film shoots
Coverage must be secured before the event starts
Limits are typically $1M to $5M depending on risk
Premiums vary based on event size, alcohol service, location, and duration
Proof of insurance (COI) can often be issued same-day
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.
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.
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.
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.
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.
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.
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.
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.