Covering the unexpected so you can enjoy the unforgettable.
Don’t let unexpected incidents ruin your event. Trust XINSURANCE to provide comprehensive coverage solutions, allowing you to fully enjoy the unforgettable moments.
What Is Special Event Insurance?
Event insurance is a way to protect your investment from unforeseen circumstances to ensure you can receive a partial or full refund. Many invest in event insurance for multi-day experiences that may require travel and planning. However, special event insurance can also extend into those once-in-a-lifetime events you have spent months planning and preparing for.
Remember that you are still liable for injury or damage even if it is a 24-hour event. As the host, it is your responsibility to ensure your guests and employees are safe and secure while participating. With our one-day event insurance support services, you can protect yourself against liability risks, cancellation costs, and safety and security expenses.
Vendor insurance is for vendors working on private events or working closely with the public. Through this insurance option, vendors can protect themselves and their business against third-party injury around their workspace, damage to property, or personal injury. As you plan your next event, ensure your vendor has insurance to reduce your liability risk.
Special event insurance is crucial for any individual or business organizing an event. It ensures the protection and peace of mind necessary to navigate the unpredictable nature of hosting such occasions. Whether it’s a concert, wedding, competition, festival, or any other event occurring throughout the year, having special event insurance safeguards against unforeseen circumstances that could potentially interrupt or impact its success. With XINSURANCE as your trusted partner, you can focus on creating memorable experiences, knowing that you are prepared for any challenges that may arise.
Special Event Insurance: Who We Can Help
- Concerts
- Parties with liquor sales
- Competitions
- Firework Shows
- Motorsport Events
- Mud Bogging
- Weddings
- Conventions
- Festivals
- Corporate Events
- Tradeshows
- Sporting Events
- Birthday Parties
- Anniversary Events
- And More!
Event Insurance Coverage Options
Commercial General Liability
This option helps mitigate financial risks from third-party injuries and property damage claims.
Event Cancellation
Provides financial protection to an event organizer in case the event needs to be canceled or postponed due to circumstances beyond your control, such as extreme weather, a natural disaster, death, or a public health crisis such as COVID-19.
Liquor Liability
Liquor liability provides businesses with coverage regarding the sale, service, and furnishing of alcohol. Learn more.
Spectator Liability
Spectator liability protects event organizers from slips, falls, and other bodily injuries that may result in lawsuits or property damage claims.
Inland Marine
Get financial assistance for malfunctions, accidents, and limited theft coverage for applicable equipment.
Active Shooter Liability
This optional policy enhancement protects a company’s assets if a claim is filed after an active shooter situation. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Get coverage to protect you from claims of damages or injuries caused by your animal. Learn more.
Commercial Auto*
Commercial auto coverage protects personal or company-owned vehicles from accidents while on the job. This liability coverage is mainly for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
Communicable disease liability is an optional policy enhancement. It can cover claims of the negligent exposure of any declared pandemic pathogens or diseases. Learn more.
Directors and Officers (D&O) Liability
D&O liability coverage protects the directors and officers of a company if sued. Learn more.
Personal Liability
This liability coverage provides protection against accident claims. Learn more.
Premises Liability
Premises liability protects against personal injury claims that occur on your property.
Professional Liability
This option provides coverage for professionals against claims of negligence by current or former clients. Learn more.
Property Coverage
An optional policy enhancement, this protects your property against common risks that include weather damage, fire, and theft. Learn more.
TRU Umbrella
Provides additional coverage as a protective measure to eliminate out-of-pocket expenses your insurance company cannot cover. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQ About Event Insurance
Do you offer one day event insurance?
At XINSURANCE, we understand that much time and effort has gone into your one-day event, regardless of its meaning. Through our one-day private event insurance, you can reduce costs when challenges arise on this special day. It provides coverage for a single event, typically lasting for 1 day or less, and offers protection against various risks and liabilities associated with the event, such as property damage, bodily injury, or event cancellation.
In addition to offering one-day event insurance solutions, we also provide insurance options for events that span multiple days or occur multiple times throughout the year. This includes the option for an annual policy that covers all scheduled events within a specific time frame.
What does special event insurance typically cover?
Event coverage can be tailored to the specific needs of the event and can cover the most unpredictable situations. By investing in special event insurance, you are able to provide protection against last-minute event cancellations, unpredictable weather conditions, liquor liability, general liability, property damage, and even prize indemnity.
How much does special event insurance cost?
The cost of special event insurance can vary depending on several factors, such as the type of event, number of attendees, location, coverage limits, how long the event will last, and any additional requirements. Contact XINSURANCE by phone or email to learn more about your personalized event liability insurance costs.
Do I need special event insurance if my venue has liability coverage?
While some venues may have liability coverage, it’s essential to review their policies and understand the extent of coverage provided. Our special event insurance will likely offer additional protection, oftentimes necessary, especially if your event has unique requirements or involves activities not covered by the venue’s insurance. Getting this coverage is one of our seven tips for managing a special event.
Can I get special event insurance for a small event or gathering?
Yes, our special event insurance solutions are available for both large and small events, no matter how long they run. The coverage can be customized based on the size and specific needs of your event, ensuring that you have the proper protection in place regardless of its scale.
Can special event insurance cover event postponement or rescheduling?
Yes, we offer event cancellation coverage solutions and it can include provisions for event postponement or rescheduling due to unforeseen circumstances. It can help reimburse costs incurred if you need to reschedule your event and protect against potential financial losses.
Can I get coverage if I've been rejected or dropped by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
Do I need insurance for fireworks?
Event organizers typically need to purchase special coverage for fireworks displays. That’s because fireworks can be dangerous and it creates a large potential for injury.
Do Pyrotechnics need insurance?
Yes, companies involved with fireworks in any way usually need pyrotechnics liability insurance.
Insurance for Fireworks Shows
We provide liability insurance solutions for fireworks shows – including fireworks at special events, holidays, and more.
If you need a special event insurance quote, get started by clicking the button below!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Security Guards
We provide insurance solutions for armed and unarmed security guards, bodyguards, security companies and services, security training, private security, and more.
Entertainment Industry
We provide insurance solutions for all types of entertainers and performing artists who risk being blamed for professional negligence or failure to perform necessary duties. We also specialize in high-risk businesses in the entertainment industry.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
