Event Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

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Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

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Event Insurance

Planning and organizing an event can be an exciting endeavor, whether it’s a wedding, corporate conference, or a special celebration. However, amidst all the preparations and anticipation, it’s crucial not to overlook the importance of event insurance. 

Event insurance, also known as special event insurance or event liability insurance, is a type of coverage that protects event organizers, hosts, and often the venue, from certain financial liabilities that may arise during an event. It acts as a safety net, covering unforeseen incidents and minimizing potential financial risks. Event insurance is important for several reasons. Firstly, it offers protection against unforeseen circumstances that could lead to financial losses, such as property damage, personal injury, or cancellation due to extreme weather. Additionally, many venues require event insurance as part of their terms and conditions. Having event insurance in place provides reassurance to all parties involved, including vendors, sponsors, and attendees, as it demonstrates your commitment to addressing any potential risks.

Event insurance coverage can vary depending on the specific policy and provider, but it generally includes:

General Liability: Protection against third-party bodily injury or property damage claims that may occur during the event.

Liquor Liability: Coverage for alcohol-related incidents, including injuries or damages caused by intoxicated guests.

Event Cancellation or Postponement: Reimbursement for financial losses incurred due to unforeseen circumstances that lead to event cancellation or postponement, such as severe weather, venue unavailability, or the non-appearance of a key participant.

Property Coverage: Protects event equipment, decorations, and other property from loss or damage.

Medical Expenses: Coverage for medical expenses in case of attendee injuries during the event.

Vendor Failure: Reimbursement for losses due to the non-appearance or failure of contracted vendors.

The cost of event insurance depends on various factors, such as the type of event, its size, location, duration, and coverage limits. Typically, event insurance can range anywhere from a few hundred to several thousand dollars. It’s essential to obtain multiple quotes from reputable insurance providers to compare coverage and costs effectively. Keep in mind that investing in event insurance is a valuable risk management strategy, considering the potential financial repercussions of unforeseen incidents during the event.

Obtaining event insurance is a relatively straightforward process. You can start by researching reputable insurance companies that specialize in event insurance. Most providers have websites where you can request a quote by providing essential event details. It’s crucial to thoroughly review the policy language, coverage limits, and exclusions before making a decision. It’s also advisable to consult with an insurance professional who can guide you through the process and ensure you acquire the appropriate coverage based on your specific event needs.

When planning an event, don’t overlook the importance of event insurance. Understanding the key concepts and details surrounding event insurance will empower you to make informed decisions, mitigate potential risks, and safeguard your event from unexpected financial burdens. By obtaining event insurance, you can ensure a smooth and successful event while offering peace of mind to all parties involved. So, take the necessary steps to protect your event and focus on creating treasured memories for everyone in attendance.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their events with confidence. Our event insurance products can provide additional insurance coverages including:

    • Event Cancellation Coverage
    • Event Liability Coverage
    • Property Damage Coverage
    • Bodily Injury Coverage
    • Liquor Liability Coverage
    • Vendor Coverage
    • Weather-related Coverage
    • Non-appearance Coverage
    • Prize Indemnity Coverage
    • Event Disruption Coverage
    • Contractual Liability Coverage
    • Third-party Property Damage Coverage
    • Equipment Damage Coverage
    • Cyber Liability Coverage
    • Special Event Endorsement
    • Electrical or Mechanical Breakdown Coverage
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!