April 13th, 2022 / By Cowan Insurance Group
In-person gatherings are increasing in popularity after over two years of virtual events necessitated by the pandemic. Many businesses are preparing to hold client appreciation nights, staff parties, fundraisers, and other events in 2022. If you’re dusting off your business’s event plans this year, it’s critical to think about protecting your guests and yourself as the event host.
Whether it’s an event held for a select, private group of guests or one that’s open to the public, the event host is responsible for the protection and safety of both the attendees and the property. Many businesses assume that they’ll be adequately insured through their venue’s insurance or their business’s existing liability insurance. Still, these coverages are often not sufficient for the unique exposures of an event. Many event venues offer limited coverage—or no coverage at all—to their clients. With catering, décor, and other exciting details to consider, it can be easy to forget about making sure you have liability coverage for your event.
Choosing the right coverage for your business’s special event
When hosting an event, it’s essential to make sure that, you protect yourself and your business through Commercial General Liability insurance specifically for the event. This type of insurance protects you from loss if a guest suffers an injury during your event and provides coverage for any potential damage to the venue’s property. No matter how well you know your guests, accidents happen, and securing the right special events liability coverage provides peace of mind so that you can focus on perfecting a fun, memorable event experience for your guests.
Cowan Special Events insurance also meets the requirements of most cities, municipalities, and facilities, with packages that include:
- Liability limits of $2,000,000 or $5,000,000
- Products and Completed Operations coverage
- Personal and Advertising Injury coverage
- Tenants Legal Liability
- Cross Liability
- Contractual Liability
- Liquor Liability
- Blanket Additional Insured Endorsement coverage
- Employees Included as Additional Insured coverage
Businesses can also choose to add coverage for non-owned automobiles if needed, and additional certificates for employees or stakeholders can be issued for no cost at the time of purchase.
Insurance for a range of events
While corporate events can take many forms, with a variety of needs and risks to consider, special event liability coverage through Cowan covers a range of exciting event types with rates starting at $125 per day, including:
- Athletic events and celebrations
- Achievement celebrations and parties
- Auctions
- Banquets and business dinners
- Shows and tours
- Ceremonies
- Festivals
- Fundraisers
- Launch events
- Political campaigns
Hosting your event with confidence
Our special events liability coverage is designed to fit the needs of a wide variety of event types, for events of up to five days long. Through an easy-to-use online platform, you can receive a quote and purchase insurance within minutes, giving you the peace of mind to host your event with confidence.
Get coverage a quote here: https://cowan.securequotebot.com/special-event?quote=0a5b79dd-2c8a-4e02-8fe1-8880ae3d38cf
