Why do I need event insurance?
When it comes to planning an event, don’t forget to purchase insurance! People make fundraisers, parties, birthdays and celebrations fun and memorable, but event insurance provides peace-of-mind knowing an event is protected. From securing the venue to protecting the financial well-being of the organizer, insurance is the first step toward ensuring that everyone has a great time.
The following information is offered as a snapshot of the coverages provided through the American Specialty Express event insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
How much does event insurance cost?
Prices can vary based on your needs, but at American Speciality Express the price of event insurance starts at $95.
What does event liability insurance provide?
Event liability insurance has two primary purposes. First, it ensures the venue of choice can be secured. Most event venues require a certificate of insurance in order to reserve the venue. With event insurance through American Specialty Express, you can download certificates of insurance instantly after the purchase is complete. If “Additional Insured” status is needed, it can be added for no additional premium.
In addition to meeting the venue’s requirements, event insurance provides protection when injuries or damages occur at the event. Whether it’s a quinceañera, bar mitzvah or bat mitzvah, charity auction, dinner fundraiser, class reunion or wedding, accidents can happen anytime people gather together. It’s best to plan for flawless festivities, but insurance will protect your event in case something goes wrong.
What Events Are Eligible In This Program?
We cover an incredible variety of events of all sizes. If you don’t see your event listed here, contact us.
Auto Show (static only)
Belly Dancing Class
Boat Show (dry dock only)
Body Building Event
Car Show (static only)
Caroling Event (single location only)
Chamber of Commerce Event
Choir - Performance
Civic Club Meeting
Classical Dance Show
Classical Music Concert
Company/Corporate Retreat (not overnight)
Concert - 50's Music
Concert - 60's Music
Concert - 70's Music
Concert - 80's Music
Concert - Blues Music
Concert - Celtic Music
Concert - Chamber Music
Concert - Christian
Concert - Classical Music
Concert - Country Music
Concert - Folk Music
Concert - Holiday Music
Concert - Instrumental
Concert - Jazz and Jam
Concert - Pop/Cover Band
Concert - Symphony
Dance Show - Classical
Disc Golf Event
Drill Team Exhibition
Easter Egg Hunt
Festival & Cultural Event (no parades)
Festival & Fair - No Rides
Film Shoot - No Stunt Exposure Allowed
Flower and Garden Shows
Frisbee Golf Event
Fund Raising Breakfast/Lunch/Dinner
Graduation - Social Reception / Ceremony
Harvest Festival - No Farm Implements or Equipment
Historical Re-Enactment No Weapons
Holiday Party - Not Haunted
Ladies Club Event
Laser Tag Event - Indoor Only
Mobile Home Show
Monte Carlo Night
Movie Release Party
Music Recording In Studio Premises Only
New Years Eve Party - No Charge for Admission / Invite Only
Old Timer Event
Party (anniversary, birthday, graduation, retirement)
Picnic - (No water activities)
Play - Theatre, Theater Event
Poet or Poetry Reading
Poker Event; Card Game
Prom or formal dance
School band or drill team competition
School carnival (no rides)
Show (antique, art, auto - static display, boat, business)
Show (consumer, craft, fashion, flower, garden, home, RV, trade, vacation)
Sweet 16 Party
Talent Show (no rap, hip hop, heavy metal or hard rock music)
Texas Hold 'Em Event
Theatrical Stage Performance
Truck Show - Static Only
Video Game Contest
What are some examples of when event insurance would be used?
These are just a few examples of when event insurance will provide peace of mind and protection when things go wrong.
Scenario 1: The birthday party happened just as imagined: great music, fabulous food and the birthday girl was completely surprised! Unfortunately, when the decorations were taken down at the end of the night, the walls and lights had been discolored from the decorations. The venue needs to have the walls painted and lights replaced. The bill totals $7,500 and the contract requires the event host to pay it.
Scenario 2: The not-for-profit fundraiser consisted of dinner, an auction and a performance by a local band. Many of the guests were dancing when a beverage was spilled on the dance floor, causing a guest to fall and break his leg. The injured guest promptly calls a personal injury attorney who demands over $50,000 reimbursement for the client’s medical bills, pain and suffering and lost income.
Don’t leave your event’s success to chance. With our variety of low-cost insurance solutions, you’ll be prepared for whatever comes at you.
Where can I find more information?
Even though this is an online program, we are available if you have questions. Call us, chat with us online or send us an email. Our event insurance program is provided by real people who want to help—that’s what special feels like with American Specialty Express. Don’t hesitate to contact us.
Why should I purchase coverage through American Specialty Express?
American Specialty Express delivers the ability to quote and buy affordable event insurance immediately and come back to your account anytime. Event insurance can be purchased the day before the event, and you can get all the needed documents online. Once coverage is purchased, eligible additional insureds can be added for no additional cost. Need a copy of the policy? Simply go online anytime to print a copy of the insurance policy/certificate of insurance, add an additional insured, review coverage or report a claim. Hopefully nothing goes wrong at the event, but if it does, we provide an easy, hassle-free process to report and manage the claim.