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Special Event Insurance|Event Insurance Liability

Tailored protection for Entertainment, Recreation & Special Event Insurance in One Policy.

Special Event Insurance Coverage For Every Type of Event!

Thousands of Special Events take place every day and the people hosting them need specialized insurance coverage.  We offer insurance coverage for every type of event from birthday parties and weddings to festivals, rodeos and hip-hop concerts.  Get all of the details you need for your event below.

AFIG Entertainment is America’s First Choice for Insurance

Each year there are thousands of special events,  in a wide array of social platforms. There are personal and family events from anniversaries, birthday parties, baby showers, dinners, weddings & wedding receptions.  And there are club and business events like conferences & conventions, dinners, galas, hip-hop concerts, rock concerts, horse shows, rodeos, parades and sporting events.Organizing a thoughtful event requires meticulous planning, not to mention a lot of energy. Unfortunately, you can’t plan everything and unforeseen occurrences like extreme weather, accidents, or illness could very well could leave you in an uncomfortable position. 

That’s where Special Event Liability Insurance comes in! 

We offer some of the broadest special event insurance coverage at the most competitive prices. Our policy guarantee is backed by forty years of experience. Call us at 800-874-9191 and discuss your specific event insurance needs with our special event insurance experts. You can get an immediate quote today. 

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Get A Quote:

Call us to discuss your insurance needs with our special event insurance experts and get an immediate quote today or go on-line for a Quick Quote a few minutes could save you hundreds of dollars.

Our knowledgeable staff and preferred policies provide unparalleled protection for thousands of events, entertainers, and venues throughout the world.

Types of Events we Insure:

  • Anniversary Parties
  • Bar & Bat Mitzvahs
  • Birthday Parties
  • Concerts
  • Conferences & Conventions
  • Equine Events
  • Fund Raising Events
  • Event Planners
  • Hip-Hop Concerts
  • Marathons
  • Music Videos

More Types of Events we Insure

  • Marathons
  • Parades
  • Races
  • Rap & Hip Hop Concerts
  • Reunions
  • Rock Concerts
  • Rodeos
  • Sporting Events
  • Theatrical Productions
  • Weddings
  • Many, More …
Special Event Standard Limits

$1,000,000 policies starting at $100.00
Occurrence $1,000,000
General Aggregate $2,000,000
Aggregate Products / Completed Operations $1,000,000
Personal / Advertising Injury $1,000,000
Fire Legal Liability $100,000
Host Liquor Liability INCLUDED

What is Special Event Insurance?

When you’re throwing a party or hosting an event, getting sued is probably the furthest thing you’re your mind. But in today’s litigious climate? Maybe it should be the first thing you think of.

Whether you’re throwing a holiday party, fundraiser, trade show, wedding, or other event, you may need Special Event Insurance to cover your liabilities. This is a short-term policy that only covers your business for an event that it organizes. Whether you’re an event planner, marketing agency, or just a family throwing an elaborate wedding, Special Event Insurance can step in when you’re sued over the property damage, accidents, or injuries that “crash” your party.

Examples, such as a slip and fall or damaged floors are covered by this type of policy. Exclusions do apply

Do I Really Need Special Event Insurance?

The short answer is yes—the long answer is absolutely. Most venues require that you carry Special Event Insurance so they know they’re not going to have to hassle you for restitution should things go awry. Beyond that, though, it’s crucial financial protection against elements you simply can’t control.

Planning a big day for yourself or a loved one ? You don’t want to leave anything to chance. It may be an additional cost to tack on to your bottom line, but take our word for it—if you fall victim to property damage or a liability lawsuit, you’ll wish you’d gone the extra mile.

We Cover the Unexpected

Our event insurance is designed to protect you if things don’t go to plan. How often have you considered unforeseen circumstances affecting your event such as:

  • Lightning and Major Storms
  • Event Cancellation and Non-Appearance
  • Event Postponement

What Does Special Event Insurance Cover?

  • Contractual Liability
  • Blanket Additional Insureds
  • Host  Liquor Liability
  • Medical Expense  Liability
  • Spectator Accident Liability
  • World Wide Coverage


Protecting Your Event and Your Investment

Special Event Liability Insurance is ideal for private events, corporate/business events, and other group gatherings like non-profit fundraisers, and rodeos. It helps safeguard your investment so you don’t lose deposits, incur additional expenses or suffer liabilities.

We write special event insurance policies to protect you from all of these possibilities and more so you can host your event and enjoy it too. Below are a few of the major event types we provide coverage for. Click on the bold link after the description if you want more information about coverage for this type of event.

Personal & Family Events – Weddings, Anniversaries, Birthdays, Receptions

It’s your day, and you shouldn’t have to put any limits on your fun. And the last thing you want to worry about are damages and injuries. That’s why you might want to get an AFIG Wedding and Event Insurance policy. This protects you, your guests, and your venue from accidents, unexpected damages and some wedding cancellation costs.

From bridal dress malfunctions, lost or damaged gifts, photography or vendor snafus, to venue cancellations, a single wedding mishap can escalate into major costs for you.

Check out the list of almost 20 things covered by Wedding Insurance.

A Wedding Storm

James and Mary spend months planning their winter wedding. But on the wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible)—including money for the invites, cake, catering, attire and nonrefundable deposits for ceremony musicians, a floral designer and other vendors.

Here’s the solution:

Event Insurance can help protect yourself against financial loss that could result from a wedding mishap or vendor incident, so that the big day doesn’t become a big bust!  We have basic policies, at a reasonable premium that provide a great deal of security. 

Music Concerts & Music Festivals – Hip-Hop, Rock, EDM, County and more…

Fans get excited when a concert is coming to town. The band, disc jokey and musicians all look forward to wowing the crowd, and everyone involved in the show prepares for the big night.

Our  insurance policies meets the Insurance Coverage Requirements for 99% of the nation’s concert venues, whether it’s a large outdoor concert or an intimate indoor dance ballroom. Our special event liability coverage is an insurance policy specially designed to protect the policy holder/producer from certain types of lawsuits and claims arising from accidents taking place during the event. Our policy offers protection for the policy holder/producer for damage to the facility caused by one of your guests or a vendor, bodily injury to guests you are found liable for, and alcohol-related accidents you are found liable for.
Learn More about insurance for concerts here : Concert Insurance

The Promoters Dilemma:

What if you’re hosting have a major concert event and the headliner doesn’t show up? The crowd gets a little unruly and causes some damage to the event venue, and you have a lot of disgruntled fans. Think this doesn’t happen? In 2016 International pop icon and superstar Madonna showed up 2 hours late to a concert in Australia. In February 2017 Young Thug no shows for a concert he’s headlining at The Barclays Arena in New York. The event organizer lost an estimated $360,000.

How We can Help:

AFIG is a leading provider of Concert Liability Insurance. We offer comprehensive insurance programs for our entertainment clients. Events insured by AFIG Entertainment have included mega stars such as Aretha Franklin, Lil, Wayne, Kid Rock, and Yung Joc, Kodak Black, Lil Uzi Vert and more…

Work with our AFIG Entertainment insurance packages that can be completely customized for your concert and events.

Event Cancellation Insurance

Event cancellation insurance protects revenue or expenses from an event against cancellation, postponement, curtailment, relocation or abandonment of the event for reasons beyond the control of the event organizer. Some of these reasons might include severe adverse weather (hurricanes, tornados, severe winter storms, etc.), venue unavailability (fires, floods, power outages, etc.), threats or acts of terrorism and communicable disease outbreaks.

Allen Financial can provide event cancellation insurance for many events in the U.S., Europe and throughout the world. Our binding authority with Lloyd’s of London and strategic alliances with top-rated U.S. carriers enable us to handle the insurance needs of these events, having hundreds of millions of dollars at risk.
Learn more about Event Cancellation insurance here: Event Cancellation

Examples of unforeseen circumstances:

  • Extreme weather
  • Accident
  • Illness
  • Military deployment
  • Vendor goes out of business

The Solution :

Event cancellation insurance is designed to reimburse you for the loss of nonrefundable down payments if your event is canceled or postponed. If you put down deposits for the event — for instance, for catering, flowers, entertainment, photography, honeymoon travel or accommodations, and your event is canceled or postponed, this coverage may help reimburse you.

Equestrian Special Event Insurance for Rodeos, Bull Riding, Trail Rides and more…

We provide special solutions for rodeos, horse shows, livestock shows, ropings, pennings, barrel racings, horse expositions and clinics as well as many other equine and rodeo-type events. AFIG provides insurance solutions for the unique needs of the rodeo, equine and livestock industries. Our clients include major rodeo sanctioning organizations, rodeos and livestock shows, rodeo stock contractors, and horse expositions throughout the United States.
Get More Details here: Equestrian Insurance

The Situation:

Rodeos have one of the highest injury rates due to the nature of the sport. Even the rodeo clowns have a 77.4% injury rate. Because of the environment of the event it is possible for event attendees to get injured also.

How We Can Help:

Rodeo and bull riding are exciting, yet dangerous sports. Many participants have had life threatening injuries and it’s not uncommon for spectators to get injured. We provide insurance solutions for Venues/Expositions, Associations, Rodeo Committees, Parades, Equestrian/Timed-Event competitions. Horse Shows and more, we have a diverse array of insurance packages to cover you in every aspect of Equestrian Insurance.

Rodeos require a different type of coverage. Talk to one of our equine special events specialists.

There are risks and rewards with every event. AFIG’s Event Insurance team will work with you to protect you, and your plans while minimizing risks and maximizing the rewards of your event. Get a Quote Now.


Special Event Insurance Classifications

Why do I need Event Insurance?

If you organize family, business or community events, you know how much planning and effort is involved to make the occasion both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for.  Without adequate event insurance liability protection you will have to pay damages and defense costs yourself.  If the damages and costs are high enough you may suffer financial hardship or bankruptcy.

Concerts and Music Performances
Classical Music Concerts, Country Western, Electronic Dance Music Concerts, Heavy Metal, Jam and Jazz Concerts, Pop Music Concert, Concert Promoters, Rap Concerts, Hip-Hop Concerts, Rock, Salsa Concert, Reggae, New Age, Blue Grass, School Band Competitions or Events and Symphony Concerts.
Weddings, Funerals, Bar-Mitzvah,Baptisms, Baby Showers, Graduations, Ribbon Cuttings, Inaugurations and more.
Exhibitions and Conventions
Auctions, Trade Shows, Business Conferences, Job Fairs, Drill Team Exhibitions, Anime Conventions.
Festivals and Amusement
Art Festivals, Bazaars, Carnivals, Circus, County Festivals and Fairs, Country Western Events, Rodeos, Corn Maze, Cultural Events, Exhibitions, Festivals, Fireworks Displays, Harvest Festivals, Parades, Haunted Houses, Music Festivals, Oktoberfest, Pumpkin Patch, Tractor Pulls.
Lectures, Seminars and Speaking Engagements.
Film Production, Fireworks and Pyrotechnics, Vendor Policies.
Amateur Association Meetings, Book Signings, Business Meetings, Church Services or Meetings, Civic Club Meetings, Conferences, Evangelistic Meetings, Ladies Club Events, Luncheons, Meetings – Indoors, Meetings – Outdoors, Professional Association Meetings, Record Signings, Teleconferences and Union Meetings.
Anniversary Parties, Banquets, Birthday Parties,  Block parties, Business Parties, Debutante Balls, Old Timer Events, Picnics, Proms, Reunions – Indoors, Reunions – Outdoors, Social Gatherings – Outdoors, Social Receptions, Street Closures and Wedding Receptions.
Chamber of Commerce Events, Heads of State Events, Political Rallies, Non-Political Rallies and Voter Registration
Religious or Spiritual Gatherings
Church Services, Charity Benefits and Séances, Religious Meetings.
Auctions, Bazaars, Christmas Tree Lots, Rummage Sales, Sales – Other, Sidewalk Sales, Swap Meets, Flea Markets, Farmers Market’s and Telethons.
Animal Acts and Shows, Antique Shows, Art Shows, Auto Shows, Award Presentations, Beauty Pageants, Boat Shows, Business Shows, Camera Shows, Card Shows, Casino Shows, Comedy Shows, Computer Shows, Consumer Shows, Craft Shows, Debuts, Fashion Shows, Film Screenings, Film Showings, Flea Markets, Flower Shows, Garden Shows, Gun and Knife Shows, Home Shows, Hypnotists, Ice Skating Shows, Livestock Shows, Lounge Shows, Mobile Home Shows, Nightclub Shows, Pageants, RV Shows, Talent Shows and Vacation Shows
Sporting Events, Games & Dance
Aerobics Classes or Events, Ballets, Balloon Events, Baseball, Basketball, Bicycle Races, Bicycle Rallies – Not including any Racing, Bingo Games, Body Building Contests, Boxing, Casino Nights, Classic Dance Shows, Easter Egg Hunt, Fishing Events, Football Games, Gymnastic Competitions, Hockey Games, Horse Shows, Instructional Classes, Jazzercise, Jazzercise Classes or Events, Junior Athletic Games, Karate Meets, Marathons (walking, running, etc.),  Overnight Camping, Polo Events, Professional Sporting Events, Rodeos and Roping Events, Scouting Jamborees, Ski Events, Soap Box Derbies, Softball Events, Sporting Events in Buildings – Non-professional, Swimming, Swimming Pool Facilities, Tap Dancing, Tractor Pulls, Triathlons, Volleyball Events, Water Activities or Events and Wrestling.
Theater Events
Film Screenings, Play Readings, Plays and Theatrical Stage Performances.

Special Event Insurance
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