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There are three kinds of insurance an event needs.
General Liability Insurance
Professional Liability Insurance
Regardless of size, every event requires adequate protection against risk.
From planning a wedding to hosting a business conference, you will always want to be covered no matter the kind of event. It is your primary responsibility to plan as a host, but you could also be held financially liable if something were to go wrong. Whether you suddenly have the delay or cancel your event or a guest were to slip, trip, and fall at your venue, you’ll require a strong insurance policy to remain secure. That is why we at APOLLO want to offer you peace of mind in the form of a customizable event insurance plan.
When hosting a public or private event, you must be aware of the inherent risks you acquire with guests. Though you can control yourself, that doesn’t guarantee others will, especially if your function is serving alcohol. If a guest were to break or damage something, then regardless of fault, you’ll be held financially liable. In this case, without proper coverage, you’ll have to pay out of pocket for any additional expenses.
Even if you were to plan an event for years, that still doesn’t guarantee that an accident won’t occur. To ensure adequate protection in any situation, you must begin looking into purchasing a solid insurance policy that will cover your every need.
Why do events need insurance?
For most events, especially if paid for, there is always a set expectation that the host will provide an expectational experience. From the moment someone enters a venue, the host is expected to meet this standard, but they will also be expected to endure the financial consequences if an accident were to occur. In this position, without any coverage, the host may be forced to pay a large sum, even if they’re not at fault.
When hosting an event with a venue, most venue owners will require the host to purchase a form of insurance for the rented-out place. In this situation, the owner typically will determine what the necessary amount of coverage is. The total cost will vary depending on factors like the type and size of the event that is being held.
If an event plans on serving alcohol, then depending on where it is located, the host may be required, by law, to possess a general liability insurance policy. There is always an inherent risk involved with alcohol, and since a host is responsible for the safety of all guests, then they must be aware of the potential harm that a person drinking can cause to themselves, another individual, or even the property.
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What types of risks do I face hosting an event?
As the host of an event, you have invested your time and money to plan and organize an occasion. Whether it be a music festival or a sporting event, if people are paying to be there, then they expect to have a worthwhile experience. Yet, there is no guarantee that this will happen, and if a guest feels your event was misleading, they may be obliged to sue. If this happens, then as the host, you could potentially face costly legal fees, and without insurance, you’ll be struggling financially.
At any event, there is always the potential for something to go wrong. No matter the size, you must always be aware of the risks that you face as a host. Whether a server cuts themselves or a guest were to sprain their ankle on the dance floor accidentally, you may be the person they hold liable regardless of the circumstance. To ensure you won’t have to pay for any additional medical or legal expense that may arise, then you must obtain a general liability policy to absorb these costs.
Although covered perils are unlikely, that doesn’t guarantee that they won’t occur. Any event can be ruined at a moment’s notice by weather-related incidents, and if the threat is severe enough, they have the potential of damaging your venue. The aftermath of this can be expensive. That is why possessing adequate coverage is imperative to cover the cost of any required replacements or repairs.