Activities and venue contracts
Identify who organizes the event, the venue, dates and activities. Review the venue’s insurance requirements and what the policy says about vendors, participants and additional insureds.
Business insurance
Special event insurance
An event’s venue, activities, attendance and contracts affect the risks to review. Liability and cancellation are different forms of coverage.
Understanding your options
What to know about special event insurance
An organizer may need to consider third-party injury or property damage and the financial consequences of cancellation. These are different risks; cancellation policies apply only to covered causes and conditions.
What to compare
- Describe the venue, activities, vendors and attendance.
- Compare event liability with any separate cancellation terms.
- Read weather, communicable disease, vendor and timing exclusions.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Liability and cancellation
Liability can address certain claims for injury or property damage; cancellation insurance addresses specified financial losses when an event is canceled for a covered cause. Neither should be assumed to include the other.
Conditions and exclusions
Review covered dates, weather conditions, postponement, deductibles and exclusions. TDI notes that event cancellation policy language varies, and some policies exclude communicable disease.
Before you reach out
A few details can help start the conversation.
- Event type, Texas location and planned dates
- Approximate attendance and activities
- Questions about venue or vendor agreements
Common questions
Special event insurance FAQ
Does event liability reimburse a canceled event?
Not automatically. Liability and cancellation are different coverages, each subject to its own terms.
Is bad weather always a covered cancellation cause?
No. Check the policy’s weather definition, exclusions, notice requirements and any applicable endorsement.
Are all vendors and subcontractors automatically included?
Do not assume so. Review who qualifies as an insured and the requirements in each vendor contract.
Does coverage apply to setup and teardown?
Only if the policy’s dates, activities and conditions include them. Check those periods before the event.
Start a conversation
Ask about special event insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.