Specialized coverage for your business’s event.
Event insurance for your Michigan business.
The stress of organizing a business event is tough enough, not to mention the cost. The last thing you need to worry about is the financial risk you could face if something were to go wrong. Event insurance removes this burden and allows you to focus on planning and enjoying the event.
Event liability coverage to cover your bases.
No matter what kind of event you’re hosting, whether it’s a convention, conference, business dinner, fundraiser, or more, event liability coverage is a must for your event insurance. It protects against claims you face for property damage or injury related to the event. So if your keynote speaker were to fall down the stage stairs and break the railing in the process, this coverage could help cover the costs of medical bills and repairs to the venue. This coverage could also include injuries to venue staff at the event. In many cases, venues will require you to provide event liability coverage.
Renting equipment? You’ll want to get that covered too.
If you’re throwing a large event like a conference or convention, you’ll likely have many guests in attendance, which means you’ll probably have to rent equipment from the venue. Any damage you or your guests cause to the rentals would have to come out of your pocket—and whether it’s tables and chairs or audio and sound equipment, those costs can add up fast. Rental insurance coverage included as part of your event insurance policy can help protect your business by paying for repairs and replacements of any damaged rentals.
What if you need to cancel your event?
You’ve spent weeks planning this event for your business, but now you have to cancel it. Event cancellation insurance can help your business as it provides reimbursement for lost deposits and other fees when you need to cancel or postpone an event. Some coverages are even known as “all-cause” coverage, meaning they cover anything that isn’t explicitly excluded, including events like severe weather, labor strikes, and even terrorism. Also, some coverages may help to reimburse your business for any potential revenue you may have lost through ticket sales, merchandise sales, and more, which makes this a key part of your event insurance policy.
What events are covered by event insurance?
Your business’s event insurance can cover a wide variety of events. In general, most events are covered. However, there are some exclusions, so you’ll want to check your specific policy to make sure your events are covered. Here are some examples of events your business could get coverage for:
- Business Dinners
- Corporate Private Parties
- Non-Profit Functions
- Job Fairs
- Award Presentations
- Trade Shows
Insurance that focuses on the risks so you can focus on your event.
Organizing any event can be stressful, which is why you’ll want to obtain your event insurance as soon as your business begins to put down deposits for venues, vendors, and more. That way, you have the peace of mind to let you concentrate on making it a success. While planning, keep in mind the size and length of your event as well, as that may impact your coverage needs. With the right event insurance in place, if your event goes off with or without a hitch, you’ll be confident knowing your business is protected.
If your business is planning to host an event, get in touch with us today to discuss your coverage options.
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