Special Event Insurance: What Does it Cover & When Do I Need It?

special event insurance

There is something unique and powerful held in the experience we have when we attend an event– the large, public or communal, special kind of events. These are the ones recognized to stimulate the feeling of connection and reinforce our own sense of self.

Part of this sensation must arise from the efforts made to put all the pieces together that then bring a community together. Events, parties, fundraisers, weddings- they take the kind of time, energy, and efforts that are then felt through the attendance.

So, why not protect it all?

Has the special event insurance policy been purchased before the “blood, sweat, and tears” are put into the collaboration process that will eventually open the gates and bring in the guests?

What is Special Event Insurance?

Special event insurance is a type of insurance coverage that is specifically designed to protect individuals or organizations from potential financial losses that may arise from hosting a special event.

This type of insurance is particularly important in Oregon, where the state’s unique landscape and natural beauty make it a popular destination for a wide variety of events. The Pacific Northwest as a whole is ranked in the top ten destinations for weddings and celebrations.

Types of Events Covered by Special Event Insurance

Of all the events that you might immediately think of that merit special event insurance, you’re probably thinking of weddings.
And you’re not wrong to think that considering, on average, U.S. couples spend upwards of $30,000 (or more) on that special day.

Now, that is a couple that is hosting a $30,000 celebration and party, not just for themselves, but for those they invite to get to take part as well. It truly is that important of a moment, a day, a celebration.

With as highly detailed of an event they are, they don’t go without their own common insurance claims made by those who, thankfully, set up special event insurance in the case any of the following happened.

The most common special event insurance claims made in relation to weddings include:

  • -Military deployment 6%
  • -Special Attire 6% a damaged dress, or lost wedding bands
  • -Weather 6%
  • -Delays caused by Illness/Injury 17%
  • -Property Damage/Liability 19%
  • -Vendor Issues 29% including everything from spoiled food to failed delivery in general

What about other get-togethers in need of that kind of care and coverage found in special event insurance?

Think of those that put in the effort to design, to build, to do the everything for a concert, a festival bringing a community together, or even a sporting event.

Other than weddings, some of the other common events that purchase special event insurance are:

  • -Religious celebrations
  • -Birthday parties
  • -Baby showers
  • -Reunions
  • -Bar/Bat Mitzvahs
  • -Graduation parties
  • -Quinceañeras

This type of special event insurance can cover a whole spectrum of events outside of even those listed, including short public events, fundraisers, carnivals and exhibitions.

Remember the couple that puts on the wedding and wants to make sure they cover and protect those moments shared with all those in attendance?

The same can go for those that host other events beyond a matrimony or ceremony. They don’t have to be major production companies that already know the everything about risks and investments involved in planning get-togethers or events.
These events are hosted at all levels of community, often times carrying the faces of your neighbors or community members you may know, just like a wedding has the Mr. & Mrs. behind the big celebration

With that though, there are some events that aren’t commonly covered by special event insurance. These include:

  • -Motorized sporting events such as tractor pulls
  • -Haunted houses
  • -Aircraft or boating events
  • -Hot air balloon events
  • -Activist events such as rallies or protests

special event insurance

What is Covered by Special Event Insurance

So much can really happen in just a moment.

If you’re planning a special event in Oregon, it’s important to understand the potential risks and liabilities involved. Even with the best planning and organization, unexpected problems can arise that may cause financial losses or legal liabilities.

For example, if a guest is injured on your property during your event, you could be held liable for their medical expenses and other damages. Similarly, if severe weather or other unexpected events force you to cancel or postpone your event, you may lose out on significant revenue or incur expenses for which you are not reimbursed. In witnessing the increasing frequency of more severe weather events, this is not just a far out hypothetical– it’s a statistical probability.

That’s where special event insurance comes in. This type of insurance can help protect you from these and other potential losses by providing coverage for a wide range of risks and liabilities associated with special events.

Depending on the specific policy you choose, special event insurance can provide coverage including:

General Liability: This covers bodily injury and property damage claims that may arise from your event. For example, if a guest trips and falls on a loose tile at your event venue, this coverage would help cover their medical expenses and any damages they may claim.

Liquor Liability: This coverage protects you if someone becomes intoxicated at your event and causes harm or damage as a result. This is especially important if you plan to serve alcohol at your event.

Event Cancellation: This coverage can help reimburse you for lost revenue or expenses if your event is canceled or postponed due to unforeseen circumstances, such as severe weather or a natural disaster.

Property Damage: This covers damage to property that you or your guests may cause during your event. For example, if a guest accidentally knocks over a valuable sculpture, this coverage would help pay for repairs or replacement.

Equipment Damage: This coverage protects you if equipment you are using for your event, such as sound or lighting equipment, is damaged or destroyed.

When Do You Need Special Event Insurance

Now, you may be wondering who actually needs special event insurance.

The answer is: anyone who is hosting a special event that involves any degree of risk or potential liability. This could include individuals hosting a private wedding or party, non-profit organizations hosting a fundraiser or charity event, or businesses hosting a corporate event or conference.

For weddings, it is commonly advised to purchase the appropriate special event insurance before placing any deposits with vendors. Remember, “vendor issues” make up nearly a third of all special event insurance claims purchased for weddings.

The same practice can be applied to other events in need of the appropriate protection– purchase a policy before investments, deposits, or payments potentially at risk are made.

How Much Does Special Event Insurance Cost

The cost of special event insurance can vary widely depending on a number of factors, including the size and scope of your event, the level of coverage needed, and the insurer you choose.

Generally speaking, however, you can expect to pay a few hundred dollars to a few thousand dollars for a typical policy. It’s important to shop around and compare quotes from different insurers to ensure that you’re getting the best possible coverage at a price that fits your budget.

The average cost of a special event insurance policy sits around $150 – $300, depending on those original factors.

When shopping for special event insurance in Oregon, it’s also important to work with an experienced insurance agent who understands the unique risks and liabilities associated with events in this state. Look for an agent who specializes in event insurance and who can provide you with personalized guidance and support throughout the process.



If you’re planning a special event in Oregon, special event insurance is an important tool to help protect you from potential financial losses and legal liabilities. By investing in this type of coverage, you can enjoy greater peace of mind and focus on making your event a success. Just be sure to do your research, work with an experienced insurance agent, and choose a policy that meets your specific needs and budget.

Visit our Special Events Insurance Coverage or give us a call with the questions you want answered.

541.482.0831 Ashland

541.857.0679 Medford

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