Special Events Insurance

While your regular homeowners policy provides some of the same coverage as special event insurance, it may not be adequate in protecting you from certain unexpected incidents and accidents.  

Contact Bryan Patrick Holte Insurance in Elk River, Minnesota, today and get help evaluating your current coverage so you can decide whether you need special event insurance.  

Why Do I Need Special Event Insurance?  

Your homeowners liability insurance policy helps protect your financial stability by assisting with costs if someone is injured or becomes ill on your property.  

But when you host a gathering in your home, your homeowners policy may not be adequate. Special event insurance could provide assistance in paying for some common occurrences, including: 

• Accidental damage to vendors’ possessions such as catering supplies or photographers’ equipment.
• Injuries or accidents resulting from the alcoholic beverages you serve.
• Medical bills resulting from a guest getting sick from the food you serve. 

How Special Event Insurance Can Help 

Depending on the location and size of your event, your agent may recommend that you purchase special event liability coverage. This type of insurance helps cover unexpected events and situations that could happen when you host a large gathering.  

If you plan to host a gathering away from home at an event center, part or other location, special event insurance can help provide protection not offered by your homeowners policy.  

You can purchase special event liability insurance for multiple- or single-day private events and events open to the public. This coverage may help cover medical expenses if a guest is injured at your event. It may also help protect your finances by covering damage to the venue.  

Liquor Liability Insurance 

If you serve alcohol to attending adults at your special event, your agent may recommend liquor liability or host liability insurance. Special event insurance may not provide coverage for alcohol-related accidents and incidents.  

Get Insurance for Your Special Event 

Depending on your situation, your agent may recommend several special event insurance options. Contact Bryan Patrick Holte Insurance today to learn more about getting appropriate insurance for your upcoming special event.