Business Insurance
Special Event Insurance
Protect individuals, organizations, and businesses from financial losses associated with hosting a one-time or recurring event.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Event liability coverage for third-party bodily injury and property damage arising from the event
- Host liquor liability for incidents involving alcohol served at the event, where not sold commercially
- Event cancellation or postponement coverage for nonrefundable expenses lost due to covered causes such as severe weather, sudden illness, or venue closure
- Damage to rented or borrowed venues, including accidental damage to the facility caused by the event host or guests
- Personal property coverage for gifts, decorations, equipment, and other items brought to the event
- Vendor failure coverage for deposits or payments lost when a contracted vendor fails to appear or perform
- Optional coverage for wedding-specific exposures including attire, rings, and photography
Who It's For
- Individuals hosting weddings, milestone celebrations, graduation parties, and other significant personal events
- Nonprofits and community organizations hosting fundraisers, galas, festivals, or charity events
- Businesses hosting corporate events, holiday parties, conferences, or promotional gatherings
- Schools, religious organizations, and civic groups holding events open to the public or their members
- Event hosts required by a venue, municipality, or permit to provide proof of liability insurance
- Anyone making substantial nonrefundable deposits to caterers, photographers, venues, or other vendors
- Hosts of events involving alcohol, physical activities, temporary structures, or other elevated liability exposures