Event Insurance in Colorado

What protections do event policies come with?

• General Liability Coverage: Usually for everyday accidents occurring during an event, including pre-event setup and post-event takedown. This could include incidents like slipping on ice, tripping on an extension cord, falling off a stage, or similar accidents. Most policies also cover property damage in these situations.
• Product Liability Coverage: Usually for injuries or property damages caused by products that are distributed or sold at the event. These could be foods, drinks, prizes, sold goods, free swag, or other products.
• Spectator Liability Coverage: Usually for injuries sustained by attendees while watching activities at the event. Coverage might apply to spectators watching any number of events, such as athletic competitions, live concerts, performances, airshows, or other happenings.
• Liquor Liability Coverage: Usually needed if alcohol is being served at an event. May cover incidents, including accidents, fights, assaults, and alcohol poisonings, that involve at least one over-intoxicated attendee.
• Automobile Liability Coverage: Usually needed if vehicles are used at the event. May be needed to insure shuttles or buses, security vehicles, and delivery vans and trucks. 
• Medical Malpractice Coverage: Usually for errors made by medical staff who are hired to work the event. May be used to insure EMTs, paramedics, nurses, or physicians who provide care.

For specific activities like events with live animals or airshows, highly specialized protections are often recommended. An insurance agent who knows event policies well can assist with finding such coverages if they’re needed.

When should private gatherings be insured with event coverage?

While small, casual gatherings like birthday parties may not require event insurance, larger private events like weddings, milestone birthdays, large baby showers, or graduation parties might warrant coverage. These can bring significantly more risk, as there are more guests who attend.

An insurance agent who understands event policies can help you evaluate the risks associated with hosting larger gatherings, and then determine whether you should get coverage for your gathering. The agent can also assist with finding an affordable policy should you decide to get one.