5 Things To Consider When Getting A Special Event Insurance Quote

When it comes to special events, organizers have to remember that one important element that's not just required but is common sense is to insure their event. Regardless of whether it is a sporting event, a dance, a field trip or even a wedding, having the event insured serves a lot of purposes. As a part of planning out the budget for your event, make sure to get a special event insurance quote so the budget will have all the numbers in it that are supposed to be there. However, to get a proper quote, you will want to make sure you let the agent know all aspects of your event so he can give you the right information back.

Take a look at this list and make sure you've gotten everything on your list when getting a special event insurance quote:

1. First you want to discuss the nature of the event. For instance, if the event is a wedding or a concert, not only will liability insurance be required but a performance clause may need to be included as well. That way if a band doesn't show up or the groom backs out, you won't be financially liable for the "damage".

2. Sporting events require specialized coverage as well. The players need to be covered against injury, especially if it is a contact sport like football or martial arts. While non-contact events like cycling would seem like a safe sport, injuries still occur and ensuring you have special event insurance is a definite necessity.

3. The audiences at sporting events need to be part of the coverage as well. That way if an accident happens, such as a fan falling on the bleachers, the organizers won't be personally liable for the medical expenses.

4. If food is going to be served at the event, having a clause in the special event insurance policy to prevent medical expenses from being incurred by the organizers against food poison or some other issue is important as well.

5. If the event is to be held outside, especially if it's a charity event, having insurance against weather related issues becomes important. This way if the event has to be cancelled due to the weather, the organizers and the organization won't be stuck losing their entire investment in putting together the event.

When getting an insurance quote, the best way to ensure you've covered all your bases is by working with professional insurance agents. While you know some of the key elements that need to be covered, the insurance agent may know of other aspects that need to be included as well. Even though having to purchase a special events insurance policy is an expense that organizers may not like to deal with, having the event insured makes sure everything goes as smoothly as possible under any circumstances.

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