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See what it costs, what venues require, and when to skip it. 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She writes for Nunify about the unglamorous stuff most event teams and organizers need to get right. ","debbie-ashford",[429,436,442,447,452,457,462,467,497],{"id":430,"componentName":431,"contentId":432,"heading":15,"content":433,"tocType":434,"backgroundConfig":15,"__component":435},14073,"BlogsContent1","intro","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Event planning insurance is short-term liability coverage that protects you, your company, and your venue against claims for bodily injury, property damage, and related losses that happen at your event. Most policies cover a single day or a short run of days, cost between $75 and $600 depending on size and risk, and exist separately from the professional liability insurance an event planning business carries for its own operations.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">That second part trips up almost everyone the first time. \"Event planning insurance\" gets used for two different things, and they are not 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style=\"border-collapse:collapse;border-style:none;table-layout:fixed;\">\u003Ccolgroup>\u003Ccol style=\"width:33.33%;\">\u003Ccol style=\"width:33.33%;\">\u003Ccol style=\"width:33.34%;\">\u003C\u002Fcolgroup>\u003Cthead>\u003Ctr style=\"height:0pt;\">\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\"> \u003C\u002Fth>\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Event insurance (the event itself)\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Event planner's business insurance\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Who buys it\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">The company or department hosting a specific event\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">A freelance planner or agency, for their own business\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">What it covers\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Injury, property damage, liquor liability at that event\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Errors, missed deadlines, client disputes, workers' comp for the planner's own staff\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Typical term\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">One day to two weeks\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Annual policy\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Who asks for it\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">The venue, before they hand you the keys\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Clients, contracts, or state licensing\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Ffigure>\u003C\u002Fdiv>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">If you're an HR manager, marketing coordinator, or ops lead who got handed \"go make sure the holiday party is insured,\" you almost certainly need the first one: a short-term policy tied to your event date, not a business policy. That's the standard event management question for corporate town halls, conferences, and customer events, and it's what the rest of this guide focuses on, with the business-insurance distinction called out again in the FAQ. If you're insuring a wedding or private party instead, the same coverage fundamentals apply, though the limits a venue asks for often run lower than a corporate event's requirement.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>","Parent",{"id":443,"componentName":431,"contentId":444,"heading":445,"content":446,"tocType":441,"backgroundConfig":15,"__component":435},14075,"covers-what","What Does Event Insurance Actually Cover?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">A standard event liability policy is built from a few core coverage types, and most one-day policies bundle the first two by default.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cdiv style=\"margin-left:0pt;\" dir=\"ltr\" align=\"left\">\u003Cfigure class=\"table\" style=\"width:468pt;\">\u003Ctable class=\"ck-table-resized\" style=\"border-collapse:collapse;border-style:none;table-layout:fixed;\">\u003Ccolgroup>\u003Ccol style=\"width:33.33%;\">\u003Ccol style=\"width:33.33%;\">\u003Ccol style=\"width:33.34%;\">\u003C\u002Fcolgroup>\u003Cthead>\u003Ctr style=\"height:0pt;\">\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Coverage type\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>What it protects against\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Usually included?\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">General liability\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Legal liability for bodily injury and property damage to third parties, the classic example is a guest slip and fall or a rented projector getting knocked over\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Yes, this is the base policy\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Host liquor liability\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Alcohol-related claims when you're not selling drinks\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Often included automatically\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Liquor liability\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Alcohol-related claims when tickets, a cover charge, or a cash bar are involved\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">No, must be purchased separately\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Property and equipment\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Rented furniture, AV gear, décor, and theft or accidental damage to anything on-site\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Sometimes, check the limit\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Event cancellation\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Non-refundable deposits if the event is cancelled for a covered reason, including severe weather or flood\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">No, separate add-on\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Property insurance (rented equipment)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Structured the same way as the property and equipment row above, some insurers file it as a distinct property insurance line rather than bundling it into general liability\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Varies by insurer\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Workers' compensation\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Injury to event staff, including temporary or contracted workers\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Depends on your existing company policy\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Cyber insurance (cyber liability)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">A data breach if you're collecting registrant payment or health and personal information through your check-in technology\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Almost never bundled, worth asking about\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Vehicle insurance (transport liability)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Shuttle buses, valet, or golf carts you're operating or hiring for the event\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Only if you're running transport, ask your broker\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Ffigure>\u003C\u002Fdiv>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">One exclusion catches people who assume alcohol is covered by default: standard general liability, including your company's existing policy, typically excludes liquor-related claims the moment you're serving alcohol at what's technically a one-time function, even if nobody is paying for the drinks and even if the event isn't your normal business. Host liquor liability is what closes that gap, and it's worth confirming it's actually on the certificate, not just assumed.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">This is also where general liability and casualty insurance overlap in the paperwork: most one-day policies are written as a combined general liability and casualty form, so a claim for negligence, an accident, or straightforward property damages all run through the same policy instead of three separate ones. Ask your insurance broker to walk through the exclusions line by line before you buy, since a policy that looks identical to another on price can differ a lot on what it actually pays out for.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":448,"componentName":431,"contentId":449,"heading":450,"content":451,"tocType":441,"backgroundConfig":15,"__component":435},14076,"cost","How Much Does Event Insurance Cost?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Cost depends mainly on attendee count, whether alcohol is served, and event length. Industry pricing data puts most one-day policies in a fairly narrow band.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cdiv style=\"margin-left:0pt;\" dir=\"ltr\" align=\"left\">\u003Cfigure class=\"table\" style=\"width:468pt;\">\u003Ctable class=\"ck-table-resized\" style=\"border-collapse:collapse;border-style:none;table-layout:fixed;\">\u003Ccolgroup>\u003Ccol style=\"width:33.33%;\">\u003Ccol style=\"width:33.33%;\">\u003Ccol style=\"width:33.34%;\">\u003C\u002Fcolgroup>\u003Cthead>\u003Ctr style=\"height:0pt;\">\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Event profile\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Typical one-day cost\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003Cth style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\" scope=\"col\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Source\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Small internal gathering, under 100 people, no alcohol\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">$75 to $175\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Industry pricing surveys\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Mid-size corporate event, 100 to 500 people, cash bar\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">$150 to $350\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Industry pricing surveys\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Larger public event or one with temporary structures (stages, tents)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">$300 to $750+\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Industry pricing surveys\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr style=\"height:0pt;\">\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">$1 million general liability limit specifically\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">$150 to $750 depending on risk factors\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd style=\"border-color:#000000;border-width:1pt;overflow-wrap:break-word;overflow:hidden;padding:5pt;vertical-align:top;\">\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Industry pricing surveys\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Ffigure>\u003C\u002Fdiv>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">If you're the accidental planner buying this for a company event rather than a personal one, budget on the higher end of whichever band fits, since corporate events more often involve alcohol, larger headcounts, and stricter venue paperwork than a private party of the same size.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":453,"componentName":431,"contentId":454,"heading":455,"content":456,"tocType":441,"backgroundConfig":15,"__component":435},14077,"venue-requirements","What Does Your Venue Actually Require?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">This is where most first-time planners get stuck, not on whether to buy insurance, but on matching what they bought to what the venue's contract actually says. Three things come up in nearly every venue agreement:\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>A specific coverage limit.\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> $1 million per occurrence with a $2 million aggregate is the most common ask across venues, cities, and universities that publish their requirements. Some private venues or higher-risk events ask for $3 million, and the limit matters because it's the ceiling on what the policy pays out if a claim turns into a lawsuit. Read your venue contract's insurance clause before you buy anything, since a cheap policy with a $300,000 limit satisfies nobody if the contract says $1 million.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>Additional insured status, not just a certificate.\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> A certificate of insurance (COI) proves a policy exists. An additional insured endorsement is a separate line that actually extends your coverage to protect the venue if they get named in a claim arising from your event. Venues increasingly reject a COI that shows coverage but doesn't include the endorsement, so ask your insurer for the endorsement by name, not just \"proof of insurance.\"\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>A deadline, and it's earlier than you think.\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> Most venues want the COI and endorsement 14 to 30 days before the event, sometimes tied to your final deposit rather than the event date itself. Waiting until event week to sort this out is the single most common way an otherwise well-planned event gets delayed at check-in, because the venue's own risk team won't unlock the space without paperwork in hand.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Your vendors carry the same requirement, and it's the one accidental planners forget entirely. Every catering, AV, decor, or entertainment vendor you bring in should hand you their own COI naming your company (and often the venue) as additional insured, because a single uninsured vendor is enough to unwind the protection you assumed you had. If you're already tracking vendor contracts and payments in one place, \u003C\u002Fspan>\u003C\u002Fspan>\u003Ca style=\"text-decoration:none;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\u002F\u002Fwww.nunify.com\u002Fblogs\u002Fusing-event-planning-tools-simplify-vendor-management\">\u003Cspan style=\"background-color:transparent;color:#1155cc;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"-webkit-text-decoration-skip:none;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cu>tracking each vendor's certificate of insurance alongside their contract\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> closes this gap instead of leaving it as a loose email thread you have to hunt down the week of the event.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":458,"componentName":431,"contentId":459,"heading":460,"content":461,"tocType":441,"backgroundConfig":15,"__component":435},14078,"when-not-needed","When Do You NOT Need Standalone Event Insurance?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Not every event needs a separate policy, and it's worth saying so plainly instead of upselling you into one.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cul style=\"margin-bottom:0;margin-top:0;padding-inline-start:48px;\">\u003Cli style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;\" dir=\"ltr\" aria-level=\"1\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>A small, employees-only gathering on your own office premises\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">, with no alcohol and no outside venue, is often already covered under your company's existing general liability and property policies. Check with whoever holds that policy before assuming you need a new one.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fli>\u003Cli style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;\" dir=\"ltr\" aria-level=\"1\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>An event your company runs regularly in the same space\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> may already be scheduled under an annual or blanket policy rather than needing a one-off purchase each time. Ask your risk or finance team if one exists before shopping for a new policy.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fli>\u003Cli style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;\" dir=\"ltr\" aria-level=\"1\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cstrong>A virtual or hybrid session with no physical venue\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> typically has no bodily injury or property damage exposure to insure against in the first place, so a liability policy usually isn't the right tool, though the cyber liability question is worth a separate look if you're collecting attendee data.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Ful>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Where standalone coverage almost always earns its cost: any event with an outside venue, alcohol, a headcount your normal policy wasn't sized for, or a contract that names a specific coverage requirement. If the venue's contract has an insurance clause, that clause is the actual decision-maker, not a general sense of how risky the event feels.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":463,"componentName":431,"contentId":464,"heading":465,"content":466,"tocType":441,"backgroundConfig":15,"__component":435},14079,"data-and-info","Vendors, Headcount, and the Data Insurers Actually Ask For","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Every quote you get, and every claim you might eventually file, comes back to the same two numbers: how many people actually showed up, and who was on-site as a vendor or contractor. Both are harder to answer accurately than most planners expect once an event is underway.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Underwriting an insurance policy starts with your expected headcount, and a claim investigation asks for actual attendance, not the RSVP count. Manual check-in methods, a printed sign-in sheet or a spreadsheet at the door, carry a 15 to 20 percent error rate against who actually walked in, per Nunify data across 200+ events. That gap matters on the day you're filing a claim and need to show exactly who was present when an incident occurred. It can be the difference between a claim that gets paid without a fight and one that turns into a drawn-out dispute over the actual asset and expense figures. \u003C\u002Fspan>\u003C\u002Fspan>\u003Ca style=\"text-decoration:none;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\u002F\u002Fwww.nunify.com\u002Fblogs\u002Fwhat-is-event-check-in-app\">\u003Cspan style=\"background-color:transparent;color:#1155cc;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"-webkit-text-decoration-skip:none;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;\">\u003Cu>Digital check-in data\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\"> that logs arrivals in real time gives you an accurate, timestamped record instead of a best guess reconstructed after the fact.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">The same logic applies to vendors. If your caterer, decorator, and AV team are tracked in the same place as the rest of your event plan, you have one list to check against COI requirements instead of piecing it together from separate email chains right before the venue's deadline.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":468,"componentName":469,"heading":470,"tocType":441,"faqList":471,"backgroundConfig":15,"__component":496},392,"Faq1","FAQs",[472,476,480,484,488,492],{"id":473,"title":474,"answer":475},4328,"Do I need event insurance if my company already has general liability coverage?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Not automatically. Standard business general liability often excludes off-premises public gatherings, alcohol service, and rented venues, so check your policy's exclusions and your venue's contract before assuming existing coverage applies. Many companies still need a short-term event policy on top of their standing coverage.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":477,"title":478,"answer":479},4329,"What's the difference between event insurance and event planner's professional liability insurance?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Event insurance covers a specific event date against injury and property damage claims. Professional liability insurance (also called errors and omissions insurance) is a separate, ongoing policy that protects an event planning business against claims that they made a mistake, missed a deadline, or breached a contract. If you're planning an internal company event rather than running your own event planning business, you almost always want the first one, not the second.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":481,"title":482,"answer":483},4330,"How far in advance should I buy event insurance?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">As soon as you have a confirmed date and venue. Most one-day policies can be issued within a day or two of applying, but venues typically want the certificate and additional insured endorsement 14 to 30 days before the event, so buying early avoids a last-minute scramble.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":485,"title":486,"answer":487},4331,"Does event insurance cover cancellation or bad weather?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">Only if you purchase event cancellation coverage separately. Standard liability policies cover injury and property damage during the event, not lost deposits if the event itself doesn't happen. If you're outdoors or working with a venue that requires large non-refundable deposits, cancellation coverage is worth pricing out alongside liability.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":489,"title":490,"answer":491},4332,"Is event insurance required in the UAE the same way it is in the US?","\u003Cp style=\"line-height:1.38;margin-bottom:0pt;margin-top:0pt;\" dir=\"ltr\">\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">The concept is similar, venues and municipality permit processes in Dubai and across the UAE commonly require proof of liability coverage before approving an event, but the paperwork format and typical limits differ from the US-standard ACORD certificate system. Confirm directly with your venue's events team or a local broker rather than assuming a US-style COI will be accepted as-is.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"id":493,"title":494,"answer":495},4333,"Who needs to be named as additional insured?","\u003Cp>\u003Cspan style=\"background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;\">\u003Cspan style=\"font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;\">The venue almost always asks for this. If you're using outside vendors, contractors, or a co-host organization, check whether your contract with them requires it too, since additional insured status is what actually extends protection to a third party, not just a certificate showing a policy exists.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>","faq.faq-1",{"id":498,"title":499,"componentName":500,"list":501,"backgroundConfig":15,"__component":514},329,"Related Insights","BlogsRelatedInsights1",[502,506,510],{"id":503,"description":504,"link":505},908,"Complete Event Planning Kit","https:\u002F\u002Fwww.nunify.com\u002Fblogs\u002Fevent-planning-templates-guide",{"id":507,"description":508,"link":509},909,"How to Find Sponsors for an Event","https:\u002F\u002Fwww.nunify.com\u002Fblogs\u002Fhow-to-find-sponsors-for-an-event",{"id":511,"description":512,"link":513},910,"Check-in app vs Manual Check-ins: Know The Difference","https:\u002F\u002Fwww.nunify.com\u002Fblogs\u002Fwhat-is-event-check-in-app","blogs.sticky-related-insights-1","2026-07-29T12:06:13.160Z","2026-07-29T12:06:12.907Z"]