Event insurance

Focus on creating a memorable experience for your guests, knowing you have the right insurance coverages for your event.

collage of 3 photos depicting different events such as fairs, music and speaking events that can be insured with SECURA

Big or small, event insurance can help you focus on making sure everything goes smoothly.

While insurance for special events isn’t usually top-of-mind, securing insurance coverage is an essential step in the planning process. Your special event may not be covered under your existing insurance policy, but with the right insurance coverages, you can focus on your guests instead of worrying about the risks.

SECURA offers protection from set-up to tear-down. Depending on your special event, insurance needs will vary, but your independent agent will work directly with you to determine what options are best for you.

What insurance coverages do special events need?

Having the right coverage will help protect your event.

Short-term General Liability

Provides coverage for a short period against financial losses resulting from claims of property damage, bodily injury, or personal and advertising injury caused by the insured’s actions or negligence. It is commonly purchased by individuals or businesses for temporary projects, events, or activities.

Premises and Operations Liability

Refers to the legal responsibility that property owners or operators have for injuries or damage that occur on their premises or during their business operations. It encompasses a broad range of situations where individuals may be injured or suffer harm due to dangerous conditions, negligent actions, or inadequate maintenance on the property.

Products and Completed Operations Liability

A form of insurance coverage that protects businesses from financial losses arising from legal claims related to their products or completed services. It provides coverage for bodily injury or property damage caused by a faulty product or service that the business has manufactured, distributed, or completed. Products and completed operations liability coverage excludes vendors.

Property Damage Liability

Coverage that protects individuals or businesses in the event that they cause damage to someone else’s property. It typically covers the cost of repairs or replacement for the damaged property, as well as related expenses such as legal fees. Property damage liability insurance is commonly required by law for drivers and property owners, providing financial protection in situations where unintentional damage occurs.

Personal and Advertising Injury Liability

Coverage that protects individuals or businesses from legal claims arising from non-physical harm caused to others. This coverage typically protects from claims related to defamation, slander, false advertising, infringement of copyright or intellectual property, and invasion of privacy, and can include liability for club members and volunteers.

Liquor Liability

Helps protect you when a third party sustains injury due to you furnishing or allowing alcoholic beverages at your event.

Special Event Auto

Special Event Auto coverage protects hired/non-owned autos for individuals running errands for the event.

Exhibition Floater

Provides protection for Business Personal Property and trailers used for an event.

SECURA works with many types of events, providing customized insurance solutions for businesses of all sizes.

Don’t see your event type listed? Have a conversation with your local agent to learn more about SECURA’S special event coverages.

  • Antique shows
  • Archery Tournaments
  • Art shows
  • Auctions
  • Award presentations
  • Baby showers
  • Banquets
  • Baseball/softball tournaments
  • Beauty pageants
  • Business conventions
  • Car shows
  • Card shows/tournaments
  • Celebrations
  • Charity events
  • Class reunions
  • Concerts
  • Contests (basketball shooting, football kicking, etc.)
  • Corporate holiday parties
  • Craft shows
  • Dance recitals
  • Easter egg hunts
  • Farmers markets
  • Fashion shows
  • Festivals
  • Fundraisers
  • Hole-in-one contests
  • Holiday light displays
  • Horse and tractor pulls
  • Lectures/seminars/business meetings
  • Luncheons/social meals
  • Parades
  • Plays/theater performance
  • Rodeos
  • Santa visits
  • Seminars
  • Sleigh rides
  • Small animal shows
  • Speakers
  • Vendors
  • Walk/run events
  • Wedding receptions

Policyholder benefits that work

an insurance agent working with couple to review the insurance policy coverages.

Keep your coverages separate

Managing the coverages in separate policies can be helpful for maintaining your insurance claims and needs. You may not want an event-related claim to affect your other coverage and limits, or you may need to provide additional insured coverage for event organizers or other contracted parties.
restaurant owner discussing insurance coverages over the phone with their agent.

Quick turnaround

With SECURA, you could be covered within 24 hours or less for things like General Liability, Liquor Liability, Special Event Auto, equipment used at the event, or hole-in-one prize pay-outs.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Common questions about event insurance

What is special event award coverage?

Special event award coverage pays the winning prize amount for large cash contests, such as a hole-in-one golf contest. This coverage can be purchased for a fraction of the total prize, and if someone wins, the coverage pays the full prize amount to the winner(s).

How far in advance should I purchase event insurance?

It’s recommended to purchase event insurance as soon as possible, ideally at the beginning of the planning process. Some insurers may require a minimum notice period before the event date.

What factors determine the cost of event insurance?

Factors such as the event type, number of attendees, coverage limits, location, previous claims history, and additional coverage options can influence the cost of event insurance.

Is alcohol liability covered by event insurance?

Many event insurance policies offer liquor liability coverage, which helps protect against claims arising from alcohol-related incidents or accidents during the event. If your event will be supplying alcohol, make sure to discuss with your insurance agent to ensure you have the proper coverage. Note: SECURA’s Liquor Liability coverage is not available in all states.

Can I add additional insured parties to my event insurance policy?

Yes, event insurance policies often allow for the addition of additional insured parties, such as the event venue, sponsors, or vendors. This provides them with coverage under your policy for liability claims related to the event.

Helpful articles

Hows and whys of volunteer waivers

Waiver documents are important for both the non-profit organization and its volunteers. Each party must formalize the relationship and set expectations.

The hows and whys of participant liability waivers

When written properly and signed accordingly, a liability waiver, it can prevent lawsuits and protect an organization from the actions of the participant.

How to plan a safe event

As you’re planning an event ensure that the event will be as safe as possible.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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