Who needs special event insurance?
Anyone who likes to have a good time! But actually, special event insurance is a necessity for any group of people coming together, such as:
Why do I need special event insurance?
For starters, most venues will require you to show proof of insurance to use their space. Beyond that basic requirement, large groups, alcohol, and rented spaces put your assets on the line. Special event insurance can help protect you from the financial consequences of bodily injury and property damage claims that could result from third parties. For example:
If you chose the menu and a guest has a serious allergy to fish, you could be on the hook (pun intended) if they end up in the hospital.
If someone busts a move which in turn busts a window, you can expect the venue to pursue some money from you for the repair.
Say a wedding guest is “overserved” and winds up injuring themselves or others once they’ve left the party. As the host, you could be hit with a mountain of problems way worse than any hangover, but if you have purchased liquor liability coverage, it would help protect you from the financial fallout that could result.
Special event insurance will provide the investigation and a legal defense. Events mean risk, and risk means you need special event liability insurance.
Special Event Insurance FAQ
Do I need special event insurance if I’m a vendor at an event, such as a caterer, DJ, or performer?
No, you would not need a special event policy if you are a vendor at an event, but you would need a General Liability policy. If you’re just booked to play a small set, serve hors d’oeuvres, or take photos at an event that is not your own, you should have your own general liability coverage because you could be named in a lawsuit related to the event at which you’re working. Learn what kinds of insurance Thimble offers for DJs, caterers and performers.
What’s the difference between event and special event insurance?
In the insurance industry, various insurers use various terms to describe the same type of coverage. The terms “event insurance” and “special event insurance” are interchangeable and refer to the type of insurance offered for events.
What if I only need one-day insurance for a special event?
Thimble’s special event insurance is designed to accommodate short-term needs. You can buy special event insurance by the hour, or up to 5 days. That includes setup and breakdown time. Plus, you can cancel your special event liability insurance policy at any time before the start of the event for a full refund of your premium cost.
What is an ACORD certificate, and why is it important?
An ACORD 25 Certificate of Insurance (COI) is the standard document that proves that an insured has coverage. It includes details such as the types of insurance coverage (for example, general liability), the policy limit, and the duration of the policy. This is typically the document needed to show proof of insurance. With Thimble, you’ll receive access to your COI within minutes after purchase with the ability to download and send unlimited copies to the people who need it.
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4.4/5 stars from 2173 reviews on Trustpilot
Fast & Easy
This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.
Super easy to use! Thought of everything
This app is beautiful and super easy to use! It's super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I'm done.
Awesome Product
I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!
So Easy!!! I LOVE IT
It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!
Great rate!
I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.
I love the convenience
I love the convenience of this insurance app, its the best thing since sliced bread????????
Fast & Easy
This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.
Super easy to use! Thought of everything
This app is beautiful and super easy to use! It's super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I'm done.
Awesome Product
I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!
So Easy!!! I LOVE IT
It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!
Great rate!
I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.
I love the convenience
I love the convenience of this insurance app, its the best thing since sliced bread????????
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