Planning an event? Whether you’re getting ready for a gallery opening, organizing a neighborhood rummage sale, or putting on a craft show, you’ll need to make sure you have the right insurance in place to protect your event and yourself in case of any unforeseen circumstances.
Though you probably expect everything to go off without a hitch, the fact is, when it comes to planning an event, things do sometimes go sideways and it’s important to put the necessary precautions in place.
Here are several factors to consider, to ensure you have the right coverage for your event:
If you still have questions about the level of insurance you’ll need for your one-day event, please get in touch! To get a quote online, in only 3 minutes click here!
There are a lot of scenarios that could impact your big day: why not transfer these risks to insurance? You protect your car when you are driving buy buying insurance – why not your wedding…. and at a much lower cost.
Insurance for weddings typically costs less than 1% of your overall budget.
Front Row online wedding insurance also provides other coverage to cover your investment, with an option to add liability insurance in case your guests slip and fall while dancing or are injured in some other way.
Renting out your faith-based venue? Here’s what you need to know about making sure your renters are able to prove to you the insurance protection you deserve.
If you are an administrator of a church, mosque, synagogue or spiritual venue of any kind, chances are you’ve been asked to rent out your venue for special events such as weddings, birthday parties, meetings, yoga classes or workshops.
Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Whether you’re renting out a small meeting room in your facility or the main hall for thousands of guests, having the right insurance protection ensures you are covered for damage or total destruction of your spiritual space.
The most important way to protect your venue is to ensure whoever is renting from you has the right level of insurance. They need to purchase insurance that considers the following:
Hosting a shower for the bride? There are many risks associated with a wedding shower that you may not have thought of:
We all know that person who had a little too much fun and did something they fully regret the day after an event or worse, treated their weekend conference like a trip to Vegas. If you’re on the event planning side of these meetings, you’ll want to understand the type of event insurance required by your venue to protect yourself and your staff against all possible scenarios. Here is your guide to obtaining the right coverage for your next office event or conference:
Patrons purchase tickets to a concert for many reasons: to see their favorite act, gather with friends, a night on the town and catch a new talent. The main point is all seek a good, fun time and hearing good music. But unknown to patrons are the many details that go into producing and promoting a successful concert. When planned properly, it shows, but is not seen.
One of those details is safety for both the performers and the audience. Concert Event Insurance to protect against incidents for Liability and Bodily Harm have the potential to come into play more often than one may think.
First, the bad news; The Allman Brothers' unfortunate bus crash. Everyone is OK, thank goodness, but this accident is an example of the long hours artists, bands, production crews and drivers spend on getting everyone to the venue, normally traveling between 350 - 450 miles overnight to set up and perform for their fans. Insurance coverage is a must not only to cover any medical expenses, but also to make sure that property damage to a vehicle can be recovered and/or repaired/replaced in a timely fashion. Without this commitment by performers and their teams, there is no show; thus, disappointed fans.
A second example of an “unseen” detail is crowd barriers for crowd control. These type of barricades are not really thought about by patrons, but they are of utmost importance to artist and patrons alike. Proper crowd control, from security to crowd flow are key to any safe event. Concert insurance can come into play if the barriers fail to pay for injuries so that the act is not financially ruined. Having proper barricades not only enhance patron’s enjoyment, but lowers the risk of someone being harmed or having an accident. It also helps greatly with the expense of a premium by lowering the cost!
Yes: Film house insurance allows you to obtain financing at the bank and it helps you avoid bankruptcy caused by accidents in your theater. These are some examples of repairs and lawsuits that can happen:
A basic movie house insurance policy should include compensation for damage to your building or furnishings, as well as your responsibility any customers that are injured visiting your property.
It’s a Trip…a Trap…We Mean, a Wrap!
It seems your lead actor (let’s call him Frankie Awesome) has done it again. You see, Frankie is a terrific actor, but a disastrous human being. He cannot be let loose in polite company without something absolutely terrible happening. Nothing, from the neighborhood cat to your favorite plate glass window, is safe from his catastrophic, and frequent, accidents. It’s no mistake that Frankie’s other nickname is “The Master of Disaster.”
Oh, Frankie. This time, the big klutz managed to wind his legs together and crash headlong into a rented tent. What fun! Now you have a table of horrified actors suddenly very unprepared for the weather, watching in real time as their seafood turns into soup.
Despite the general horror, Frankie will be okay; he’s an old hand at this kind of scene. But what about your pride, and your pocketbook? Someone’s going to have to pay for those tents…and the dry cleaning.
You carried all the right insurance all the way along, but entertainment package policies don’t cover wrap parties and you didn’t think something would happen. While you can’t stop Frankie Awesome from being awesome, you can prevent the consequences of his awesomeness from costing you money.
WHAT IS EVENT INSURANCE?
Short term event insurance protects you from lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured. Your rented venue is likely going to ask for evidence of one day liability event insurance so the venue owners are not drawn into your lawsuit.
Front Row Insurance Brokers offers online holiday insurance.
A quote is also free - a fast quote is available any time of the day or night.
When hosting an anniversary party, most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.
You’re planning a birthday party. This year, you want to keep things simple with a paired down guest list of 50 people, a simple wine bar, and a few party platters. What could possibly go wrong?
Well, a few things, it turns out. Here are some of the top reasons you might just want to insure your next birthday party:
Hosting a kid’s birthday party for your loved one? There are many risks associated with kid's birthday parties that you may not have thought of:
When hosting a kid’s birthday party, most birthday venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.
When hosting a Bar Mitzvah, most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.
Your Bar Mitzvah planning checklists should include bar mitzvah insurance.
Planning an annual flower show, competition, plant sale, or garden tour? You should consider getting Garden Show Special Event Insurance. Gardeners know better than anyone that events can be unpredictable. Disasters strike even the most careful and diligent gardeners. That’s where insurance comes in. Having the right Garden Show insurance policy protects you from those unforeseeable dangers and gives you peace of mind—not quite the blissful serenity of a well-tended garden, but close enough!
Opening your garden to the public or hosting an event brings its own set of challenges, which is why most rental venues will require you to carry event insurance. Often, this will be stated explicitly in the rental contract, including the liability amounts required. Garden venues want to be protected in case someone is injured at your event and tries to sue.
If your organization is hosting a garden event at a private residence, the homeowner’s policy likely will not provide adequate insurance. Parties of a certain size may be excluded. Your organization will need to have event insurance in place in the event that a guest is injured. That stone walkway or water feature might look lovely, but it could also be a tripping hazard!
