What Does Event Insurance Cover? : Don’t Let Calamity Crash Your Party

Imagine a scene: confetti cascades from above, the dance floor pulsates with energy, and laughter fills the air like effervescent champagne bubbles.

Abruptly, the lights go out, casting your carefully orchestrated celebration into chaos.

Perhaps even worse, a guest stumbles, propelling a tray of appetizers through the air – directly into the venue owner’s irreplaceable antique vase.

In the realm of events, the unforeseen is always at your fingertips.

This is where Event Insurance, the superhero adorned in a sparkling cape, comes to the rescue.

Yet, much like the gadgets in Batman’s utility belt, what precisely does this enchanting coverage include?

An image illustrating what does event insurance cover

What Is Event Insurance?

Event insurance is like a safety net for special occasions, like weddings.

It helps cover the costs if something goes wrong.

If someone gets hurt or something gets damaged during the event, the insurance can help pay for it.

There’s also a part of the insurance that can give you money back if you have to cancel the event and lose deposits.

Some types of event insurance even protect things like gifts, photos, your wedding outfit, and other important stuff.

It’s like having a backup plan to make sure you don’t lose a lot of money or have a big headache if things don’t go as planned.

What Does Event Insurance Cover?

Event insurance is like a safety net for different kinds of events, not just weddings.

It can cover things like:

1. Accidents and Damage: If someone gets hurt or something gets damaged during your event, the insurance helps you financially so you don’t have to pay for everything yourself.

2. Wedding Changes: If something unexpected happens, and you have to cancel or change your wedding plans, the insurance might give you money back for things like deposits and rescheduling fees.

3. Protecting Stuff: You can also get extra coverage for things like wedding dresses, gifts, and tuxedos.

This helps if they get damaged before, during, or after the event.

Who Needs Event Insurance?

Everyone seeking an enjoyable time! Nevertheless, event insurance is indispensable for any gathering, such as:

Column 1 Column 2 Column 3
Graduations Baptisms Baby Showers
Birthday Parties Funerals Conferences
Banquets Debutante Balls Math Tournaments
Festivals Private Events Farmers Markets
Bridal Showers Quinceañeras Proms and Dances
Concerts Bar and Bat Mitzvahs Sweet Sixteen Parties

How Does Event Insurance Work?

Wedding and event insurance protects your money if something goes wrong during your celebration and causes harm to people or damages the venue.

You can make a claim if there are covered damages, and the insurance company will pay you up to the limit in your policy.

If you have to cancel or reschedule your event, there’s special insurance for that too.

It allows you to claim money back for nonrefundable deposits and rescheduling costs.

Also, if your stuff (like your wedding dress or gifts) gets damaged before, during, or after the wedding, insurance is there to help cover those losses.

What To Consider When Buying Event Insurance

Before you buy event insurance, take time to find out what it covers.

Here are a few things to think about:

1. Check your other insurance:

Call your home or car insurance company to see if your current policies cover the event you’re planning.

For example, your car insurance might cover rented cars under your name, and your home insurance might protect you with personal liability coverage.

Your credit card company could also help with reimbursement for lost deposits.

2. Know what your policy includes:

Some policies might only apply to the reception or not cover your honeymoon.

Check your policy to understand what it does and doesn’t cover.

3. Set aside emergency money:

Figure out how much you can afford to cover if something goes wrong.

For example, if something happens to your dress, think about whether you’d be willing to pay for a new one.

If not, consider getting special coverage for your dress when you buy a wedding cancellation policy.

4. Get your insurance on time:

Most insurance companies only offer wedding cancellation insurance if you buy it a certain number of days before your big day.

If you’re using The Event Helper, make sure to purchase Wedding Cancellation Insurance at least 14 days before your event.

Why Do I Need Event Insurance?

First off, most places need you to prove you’ve got event insurance to use their space.

Apart from that basic rule, if you’re dealing with big crowds, alcohol, and rented spots, your stuff could be at risk, and that’s where event insurance comes in handy.

Let’s say you pick the menu and one of the guests has a serious fish allergy.

If they end up in the hospital, you might have to pay for it.

Or, if someone dances too hard and breaks a window, the venue might ask you to cough up the money for the fix.

Imagine a wedding guest drinks too much and causes trouble after leaving the party.

As the host, you could face a bunch of legal problems worse than any hangover.

That’s where wedding insurance comes into play – it helps cover your legal defense.

Events come with risks, and dealing with those risks means getting special event liability insurance.

How Much Does Event Insurance Cost?

Each event is unique, but you’ll likely pay between $115 and $340 for a one-day insurance policy, depending on the number of people (from 15 to 1,000).

The cost of a budget-friendly insurance plan with Thimble depends on a few factors: the type of event, the size of the crowd, the location, how long you need coverage, if alcohol is being sold, and that’s it!

You can easily get a quote for special event insurance online or on the app.

Purchase your policy in just 60 seconds for events lasting up to 5 days.

What Doesn’t Event Insurance Cover?

If you get wedding cancellation insurance, it won’t cover cold feet.

This insurance is for uncontrollable situations forcing wedding cancellations.

Note that insurers may avoid certain event types:

  •  Political rallies and protests
  •  Motorized sporting events (e.g., tractor pulls)
  • Aircraft, boating, and hot-air balloon events
  • Haunted houses


Event Insurance is a vital safety net for various occasions, offering financial protection against accidents, damages, and unforeseen changes.

Beyond weddings, it covers events like graduations and birthdays.

Essential for event hosts, it provides peace of mind and guards against potential financial losses.

Considerations before purchasing include policy coverage, existing insurance, emergency funds, and timely acquisition. Its cost varies based on event specifics.

A prerequisite for many venues, Event Insurance doesn’t cover cold feet in wedding cancellations and may have limitations on specific event types.


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