Special Event Insurance
Event Liability Insurance for Nonprofit Organizations

The top challenge for nearly every nonprofit is fundraising. The second challenge is getting the message out. Special events solve both problems. It can be as simple as a bake sale or as intense as a triathlon, but a special event is a tried-and-true method for raising funds and awareness for a nonprofit. Chances are your nonprofit has planned or will plan an event in the future.

From concerts and parties to telethons and races, there’s really no limit to what kind of event you can throw. But each type of event brings its own risks and rewards. Knowing how to minimize those risks and their affect on your nonprofit is key to making the most out of a fundraising opportunity or simply enjoying a party worry-free.

That’s why Special Events Insurance exists. Special Events Insurance can cover personal injury, property damage, and liquor liability for events so your nonprofit has coverage in case a minor incident turns into a major lawsuit. It’s a policy to protect you from the unexpected dangers that are bound to spring up every now and then at a festive gathering. (See "How (and When) to Purchase Special Events Insurance New browser window icon." for more information on when you might need it.)

Special Event Insurance: Protection for Nonprofits

Special Event Insurance: Protection for Nonprofits

Nonprofits tend to be careful with their limited budgets, so it’s not surprising they’d want to avoid major costs and lawsuits arising from a mishap. Unfortunately, an accident or rowdy crowd could undo everything the nonprofit’s worked for.

In most cases, the nonprofit assumes certain liabilities when hosting an event. If it rents a venue, for example, it is responsible for damage to that venue. To ensure that money doesn’t come out of pocket, nonprofits can purchase Special Events Insurance on an event-by-event basis. They can also ask their agent to include it with their overall premium if they throw regular events throughout the year.

A Special Event Insurance policy can cover…

  • General Liability claims, such as medical expenses for an injured guest, lawsuits over slip and fall accidents, and lawsuits over property damage caused by attendees or employees.
  • Liquor Liability claims when intoxicated guests harm others and the nonprofit is held responsible for the damages.
  • Cancellation fees if you need to cancel an event because of weather or an accident.

So if the dancing at your annual fundraising dinner gets a little wild and a woman falls and gets hurt in the crowd, your policy can cover her immediate medical expenses.

If a taste-tester at your autumn chili cook-off causes a fire when he accidentally knocks a heater into a hay bale, you’re covered if any attendees lose their property and blame you.

Be aware, though, that coverage varies, so be sure to ask your agent what is and isn’t covered.

One-Day Event Insurance

One-Day Event Insurance

One of the most popular types of fundraisers for nonprofits is the one-day event. While a single day of festivities may require months of preparation behind the scenes, it only requires an insurance policy that’s valid for a single day, which can make the purchasing process easier.

One-day event insurance might cover a bull roast, soiree, picnic, or anything else that lasts 24 hours or less. Typically, nonprofits purchase liability insurance for single-day events on an as-needed basis, so that they don’t have to pay for more coverage than they need and don’t find themselves without coverage should something go wrong during an event.

Depending on the type of event, a one-day Special Event policy might include General Liability, Liquor Liability, Property Insurance, and more. Often, the owner or landlord of the venue will request being added as an additional insured to the Special Event policy. Because every event is different, there’s no one-size-fits-all policy. An insurance agent who has worked with other small nonprofits should be able to help you find coverage that suits your business needs.

Coverage for Special Events Lawsuits

Coverage for Special Events Lawsuits

If your nonprofit is later sued over an incident at an event and you were carrying Special Events Insurance at the time, you get the benefits of the coverage. This includes payments for:

By planning ahead and getting insurance, you can protect your nonprofit’s assets and ensure an expensive court battle doesn’t obliterate your budget.

Get the Most Out of Your Event

Get the Most Out of Your Event

Don’t let a calamity ruin the event your nonprofit has worked so hard for. Let our agents connect you with the appropriate policy tailored for your fundraisers. Just fill out an online application for quotes sent right to your inbox.

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