Top O' Michigan Insurance Solutions

Special Event Insurance

Whether you are planning for your big wedding day, raising money for an organization with a prize or planning a company outing - these events open you up to a variety of liabilities that could put a damper on your event. As your expert buyer of insurance, Top O' Michigan makes it easy for you to insure your upcoming event which saves you time so that you can focus on planning the rest of your event.  These policies are designed to protect your from liability arising from your next event.  Most venues will require event liability insurance and to also be added to your policy as an Additional Insured.  You can get started by clicking the button below!

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What is Special Event Insurance?

Special Event insurance can help protect you from financial loss for specific occasions you're planning such as a wedding, a prize or contest to gain customers, or event cancellation due to weather and other circumstances. These policies include:

  • Liability Insurance - This protects the event holder and the venue in case of claims resulting from property damage or injuries that occur during the event.
    • Liquor Liability can also be added to your policy.
  • Property - Some policies will give you flexibility to insure art installations and other temporary or permanent property at the event.
  • Cancellation or Postponement - This coverage may be available when you purchase the liability insurance for your event. Cancellation insurance covers costs in case you unexpectedly need to cancel. 

How Much Does Event Insurance Cost?

Every special event is exactly that...special! For that reason, they are all unique and pricing varies depending on:

  1. Type of event
  2. Number of attendees
  3. Length of event
  4. If alcohol will be provided by you or a vendor
  5. Property to be insured
  6. Number of Additional Insureds to be included
You can secure coverage starting at $100 per event. 

Not sure where to start?

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Special Event Liability 

Special Event Liability provides you with protection for third party bodily injury and property damage arising out of an event. Whether someone falls and gets hurt, or there is damage to someone else’s property, this coverage will provide protection by assuming the risk of legal claims brought by a third party. Coverage for short-term event organizers and exhibitors or annual coverage for event organizers and exhibitors is available through the TotalEvent® system.
Wedding Special Event

Prize Indemnity

Prize Indemnity Insurance enables you to offer a risk-free large prize for a fraction of the prize value. With prize insurance, you benefit from increased visibility, name recognition and increased sales while resting assured that you are protected from any unnecessary liability. Available coverages for online quoting including golf, hockey, basketball and football contests.

Hole In One Prize

Event Cancellation

Event Cancellation Insurance protects your revenue or expenses from an event against cancellation due to circumstances beyond your control. These circumstances can include, but are not limited to, hurricanes, earthquakes, severe/adverse weather, terrorism, labor strikes, communicable disease outbreaks, non-appearance of key people, and unavailability of the venue due to fires, floods or power outages. Our online TotalEvent® system can provide you with coverage for tradeshows, conferences, expos, consumer shows, meetings and conventions.
Event Cancelled


Whether you are organizing a sporting event, concert, festival, wedding, or commercial production, your financial success depends on an extended period of good weather. With the success of your venture riding on something so unpredictable, you don’t want to rely on luck alone. Our Weather Insurance program comes in to protect your revenues or expenses from adverse weather that could alter the expected results of your event.

Weather Storm

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664