What is special event insurance?

Special event insurance is an insurance policy that helps protect your investment in a specific event, such as a wedding. Event insurance may help cover your costs if you unexpectedly need to cancel your event or if you're found responsible for property damage or an injury caused during your event.

WHAT DOES SPECIAL EVENT INSURANCE COVER?
You may be able to purchase two types of coverage to help protect your upcoming event — cancellation coverage and liability coverage.
WHAT EVENTS DOES SPECIAL EVENT INSURANCE COVER?
Eligible events are typically private and may include functions such as:

• Weddings
• Anniversary parties
• Baby showers
• Birthday parties
• Quinceañeras
• Religious celebrations

WHAT TYPES OF EVENTS ARE NOT COVERED BY SPECIAL EVENT INSURANCE?
Public events, including dance recitals, sporting events and exhibitions, typically cannot be insured under this coverage, and neither can bachelor/bachelorette parties. Certain business functions, such as fundraisers or private corporate parties, may or may not be eligible. Your agent can tell you what specific events may qualify for coverage.
WHEN SHOULD I BUY EVENT INSURANCE?
Keep in mind that it's a good idea to purchase special event insurance as soon as you start making deposits or purchases for your event. There may also be restrictions on when you can purchase coverage — often no later than two weeks before your event but no sooner than two years prior.

Want to know more? Contact the team at USA Mutual Insurance to get more details on our Special Events Insurance Policies.