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Whether it's your wedding day, a fundraiser with a prize, or a company outing, a single event opens you up to liabilities that could put a damper on the celebration. Most venues require event liability insurance — and ask to be added as an Additional Insured. We make it simple to get the right one-day coverage in place.
Special event liability protects the event holder — and usually the venue — against claims that come from property damage or injuries during your event. Most venues won't let you book without it, and they'll typically ask to be named as an Additional Insured on your policy. If you're serving alcohol, liquor liability can be added on.
It's short-term, affordable peace of mind so a small mishap doesn't turn into a big problem on a day that's supposed to be fun.
Protects you and the venue for property damage or bodily injury claims during the event.
An add-on for events where alcohol is served, hosted, or sold.
Easily add the venue as an Additional Insured to meet their contract requirement.
Coverage for temporary or permanent installations and property at the event.
Helps protect your deposits and costs if you must cancel or postpone.
Coverage sized to your event rather than a full annual policy.
Event coverage is usually very affordable, and the price depends on the specifics of your day. Rather than guess, a local agent can size a policy to your event in a few minutes. The main factors that move the cost are straightforward.
Grab our Special Event Insurance guide — a quick, plain-English look at coverage options for weddings, fundraisers, and gatherings across Michigan. Coverage is subject to underwriting.
Download the guide (PDF)Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for coverage that fits your event.
It’s short-term liability coverage for a one-day or limited event — weddings, fundraisers, parties, and gatherings — protecting you if someone is injured or property is damaged during your event. Coverage is subject to underwriting.
Often, yes. Many venues require a certificate of insurance naming them as additional insured, and event liability — plus optional host liquor liability — protects you if something goes wrong.
If alcohol is served at your event, host liquor liability covers claims arising from that service even when you’re not selling it. Many venues and events require it.
Yes. We can name the venue as an additional insured on your event policy, which is commonly required before they’ll let you host.
As early as you can once your date and venue are set. It’s quick to arrange, and some venues want proof of insurance well before the event.
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 is designed to protect your revenues or expenses from adverse weather that could alter the expected results of your event. Coverage is subject to underwriting — contact a local agent for details.
Tell us about your event and we'll get the right one-day coverage lined up. Talk with a local agent today.
