Special Event Insurance

Special insurance for your special day.

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Special event insurance in Waynesboro, PA, Greencastle, PA, Chambersburg, PA, Hagerstown, MD and surrounding areas. Licensed in PA and MD.

The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.

Organizing any event can be stressful, but the process is far easier if you know you’re covered against the financial risks of something going wrong. Special event insurance can give you that peace of mind and let you concentrate on making it a success.

Generally, a special event policy covers two elements. The first is cancellation coverage, which is broader than the name might suggest. It usually covers the costs relating to postponements rather than just cancelling the event outright. It can also cover the costs you face if the event goes ahead but you have to spend extra money because a supplier or venue lets you down. Do be sure to check exactly what situations are covered.

The other element is liability coverage, which protects against any claims you face for property damage or injury related to the event. This could include injuries to venue staff or guests at the event. Liability coverage is often required by venues.

One point to watch for is how the policy covers alcohol-related incidents. The rules may be different depending on whether or not guests are paying for their drinks.

To cover your special event, contact us today.

We also offer you the option to get an instant quote for your special events such as:

  • Event Liability
  • Weather Insurance – Pays for loss if event gets canceled due to weather.
  • Weather Promotions – Pays if a weather event happens in a certain time-frame no matter if there is a loss or not.

Many businesses use weather promotions as a promotional tool. For example a retail business may offer the following promotion:

“If you spend $200 at our store on Black Friday and it snows 3 inches on Christmas Day, everyone gets refunded for their purchases on that day.”

The Weather Promotion insurance would then pay to refund all of the customers if it snows that much.

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