Event insurance is one of the rarer forms of commercial insurance. It is short-term, inexpensive liability coverage given to businesses, non-profits, and private citizens for the duration of a single event (or series of events). At Spickelmier Insurance Agency, we work with several of the top carriers in Florida to find the best policy and coverages to ensure that your events are protected against potential hazards. We start by thoroughly examining your needs. Next, we shop around to find the right carrier and policy to address those needs while staying within your budget.
Business and Non-Profit Events
If your business or non-profit is having an event, you carry several liability risks above and beyond those associated with normal business. The most common are premises liability (someone gets injured at your event’s venue) and premises damage (your event damages the venue), but there are many more. Depending on the specific policy, Event Insurance can protect you from ‘most’ to ‘very nearly all’ of them.
Events that can benefit from Business Event Insurance include (but are not limited to):
- Fundraisers
- Pageants
- Exhibitions
- Job Fairs
- Seminars
- Concerts
- Parades
- Athletic Events/Competitions
- Proms
- Many more…
Private Events
There is nothing quite like the devastation of having your wedding on the 29th and finding out that dozens of relatives and friends arrived on the 22nd because of a misprint on your invitations that went unnoticed; or having your wedding go perfectly right up until the videographer gets into a pileup on the highway and loses all your precious memories.
That’s what private event insurance is for; to cover you in case the entire event or even ‘just’ a single very significant aspect of it catastrophically fails.
Depending on the policy, it is even possible to get coverage for things like alcohol-related accidents (so-called “liquor liability”) or advertising-injury coverage (in case your invitations or other materials get called into court on grounds of copyright infringement, libel, or other hard-to-anticipate legalities). These kinds of clauses generally increase the premium for obvious reasons, but if you anticipate some of these potential dangers happening at your event, you may be very glad you added these clauses to your event insurance policy.
Whether your upcoming event is business, private, or even municipal in nature, Spickelmier Insurance Agency can help you find the policy that will cover you against your greatest concerns without breaking the bank. Give us a call at (904) 471-7155 or stop by our office to discuss your event insurance needs.