Event Insurance
At Liberty United Insurance, we know that behind every event, big or small, there’s planning, excitement, and risk. No matter it’s a concert, festival, fundraiser, or social gathering, our Event Insurance is designed to keep your event covered so you can focus on making it memorable.
Flexible Coverage for Any Occasion
No two events are the same. That’s why our policies adapt to fit yours, whether it’s for one-day events, multi-day festivals, recurring or annual events, or group policies covering multiple vendors or performers. You can choose standalone coverage for a single event or bundle together under an annual program if you host multiple events throughout the year.
Event Insurance Coverage Options
- General Liability (bodily injury & property damage)
- Host Liquor Liability
- Damage to Rented Premises / Venue
- Rented Equipment Coverage (Inland Marine)
- Event Cancellation / Postponement
- Personal & Advertising Injury
- Medical Payments
- Additional Insured endorsements (for venues/landlords)
What’s Included in Our Event Rental Insurance
Our Special Event Insurance is designed to protect you against potential claims or liabilities that may arise during your event. Coverage can include protection against bodily injury, property damage, and personal or advertising injury. We also offer Event Insurance options to help cover rented equipment, temporary setups, and event-related assets. Additional protection may help with costs related to legal defense and litigation if needed. For many clients, coverage extends to medical expenses, completed operations, and all activities associated with organizing or hosting the event. With limits available up to one million dollars per occurrence and no deductible, our policies are structured to provide solid, dependable coverage from start to finish.
What Affects Your Event Insurance Cost?
- Type of event (corporate, wedding, festival, fundraiser)
- Number of attendees
- Event duration (one-day vs. multi-day)
- Whether alcohol is served
- Coverage limits selected
- Whether rented equipment is included
- Venue type and risk profile
Who We Serve
Our insurance program supports a wide range of event organizers and participants. From weddings and corporate gatherings to fundraisers and festivals, our event space rental insurance helps organizers protect rented venues and hosted events. We also work with vendors, entertainers, and service providers who need temporary or annual coverage to participate in larger occasions.
Does Your Venue Require Event Insurance?
When you work with Liberty United Insurance, you gain a partner who understands the risks associated with the event industry. We tailor each policy to match your specific event type, venue, location, and audience size. Our approach ensures you get comprehensive protection without unnecessary complexity or hidden fees. With no deductible and dependable coverage limits, you can feel confident that your event is protected from unexpected costs or claims.
- Most venues require a Certificate of Insurance (COI) before the event
- Common required limits ($1M per occurrence is typical)
- Additional Insured endorsements naming the venue
- Liberty United Insurance can quickly issue a COI
Ready to Protect Your Business?
Your event deserves to be remembered for its success, not its risks. Let us handle the insurance details so you can focus on what matters most, bringing people together and creating moments that last.
Common Event Rental Risks
- A guest is injured at your rented venue (bodily injury)
- Property damage to the rented venue or equipment
- Vendor no-shows or bankruptcy
- Severe weather forcing postponement of an outdoor event
- Lost or damaged rented equipment (AV, inflatables, tables, tents)
- Liquor-related incidents at events serving alcohol
- Theft or damage to event attire, gifts, or rings