Event Insurance

Weddings, receptions, birthday blowouts, festivals, fundraisers, corporate parties — one great day, one very real set of risks. Special event insurance provides affordable, one-day liability protection, and it’s the coverage most North Carolina venues now require before they hand you the keys.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

What Event Insurance Covers

• General liability — guest injuries and damage to the venue during your event.
• Host liquor liability — protection when alcohol is served at your celebration.
• Setup and teardown — coverage can extend to the days around the event itself.
• Optional cancellation coverage — deposits and costs if severe weather or covered emergencies force a change of plans.

Host Liquor Liability

If champagne is flowing at your wedding or an open bar anchors the company party, host liquor liability is the piece that matters most. It responds if an intoxicated guest causes injury and you’re drawn into the claim. Running a bar or restaurant instead of a one-off event? You need liquor liability on a business policy.

Venue Requirements and One-Day Policies

Most venues require a certificate showing $1 million in liability coverage naming them as additional insured — and most couples and planners discover this in the fine print a few weeks out. Good news: one-day policies are inexpensive, issued quickly, and we can send the certificate straight to your venue.

Frequently Asked Questions

How far in advance should I buy event insurance?

As soon as you sign the venue contract. Policies are quick to issue, but sorting requirements early avoids last-minute scrambles.

Does it cover the wedding if we have to cancel?

Liability and cancellation are separate coverages — cancellation protection for deposits and vendor costs is optional and worth pricing for larger events.

Can you name my venue as additional insured?

Yes — that’s standard, and we’ll deliver the certificate in whatever format your venue requires.

Celebrate Without the What-Ifs

Tell us the date, the venue, and the guest count — we’ll handle the rest. Insure with You!