Protect your special event from the unexpected

Event insurance helps cover financial losses that may occur when an accident, extreme weather, illness or a problem with a key vendor puts a stop to your private event. Policies often cost less than you might expect and typically offer two types of coverage:

Event cancellation coverage reimburses you for lost deposits and other charges when unforeseen circumstances cause you to cancel or postpone your function. This type of coverage may extend to special gifts, attire (lost wedding bands, for instance) and damaged photo and video files. It does not, however, cover a change of heart.

Event liability coverage helps protect you from financial loss if you're held responsible for an accident that hurts someone or causes property damage at your event. You may even be covered if one of your guests creates havoc. Many venues now require you to have liability protection before you can even book there.

Event insurance offers financial protection for many types of private short-term celebrations and gatherings, such as weddings and corporate parties. However, some public or high-risk events may be ineligible for coverage.

Events that are covered by special event insurance include but are not limited to:

• Weddings
• Engagement parties
• Business meetings
• Non-Profit functions
• Retirement parties
• Anniversary parties
• Corporate events

Special event insurance is not available for every event, including:

• Sporting events
• Events with greater than 500 guests
• Events at remote locations
• Bachelor/Bachelorette parties
• Color runs
• Gun shows
• Animal shows

The cost of event insurance depends on various factors unique to your event, such as the location, type, duration, number of guests, and whether alcohol is served. Additionally, the coverages and limits you select will affect what you pay. Event insurance policies can start as low as $75 or cost a couple hundred dollars, catering to different coverage needs. By bundling event liability and cancellation coverage, you can save up to 15% on a plan with total protection.**

Lean on Allstate to connect you with the events insurance coverage you need through our trusted partner.

• Up to $2 million in event liability coverage available
• Host liquor liability insurance available
• Venues named as "additional insured" at no extra cost
• Guaranteed to meet venue’s insurance requirements or money back
• Reimburses non-refundable deposits and expenses for cancellations due to unforeseen circumstances
• Coverage for damage to special attire, lost or stolen gifts, photographs, and lost deposits from no-show vendors
• Flexible, easy claims process with an experienced and compassionate claims team