Event Host Insurance
Celebrate big with insurance that makes protecting your event feel like a piece of cake.
- Instant proof of insurance
- Unlimited additional insureds
- Same-day event + host liquor coverage
What Is Event Host Insurance?
Event host insurance is liability insurance for people hosting a special occasion, like a wedding or a family reunion. This short-term coverage can protect you from paying out of pocket for unexpected accidents, especially if you’re serving alcohol.
Who We Cover
Some memories last a lifetime. Insure yours for as low as $88 per event.
With coverage tailored to your guest list, event length, and activities, we make sure your special occasion and your guests are fully covered.
When you’ve got a lot to celebrate, our long-term event policy saves you time and money on back-to-back events for as little as $114 for 5+ days of coverage.
Why You Need Insurance to Host an Event
You’ve thought of everything. Now let event host insurance be the one detail you don’t have to worry about. Our policy provides the protection you need against costly accidents, ensuring all your hard work pays off and your event is a complete success.
✅ Meet venue requirements
✅ Protect your finances and your guests
✅ Cover common event-related mishaps
How Much Does Event Host Insurance Cost?
Some memories last a lifetime. Insure yours for as low as $88 per event.
With coverage tailored to your guest list, event length, and activities, we make sure your special occasion and your guests are fully covered.
When you’ve got a lot to celebrate, our long-term event policy saves you time and money on back-to-back events for as little as $114 for 5+ days of coverage.
What Does Insurance for Event Hosts Cover?
Your one-of-a-kind event needs the right kind of protection from the unique risks that come with hosting. Our liability insurance for weddings, parties, and other events provides a safety net against costly claims like:
- Guest injuries
- Damages to the venue and equipment*
- Alcohol-related incidents**
- If a client slips and falls on the dance floor, liability insurance helps cover medical expenses
- If your equipment scratches the venue floor, event coverage can pay for the repairs
- If your open bar leads to an accident, host liquor insurance helps handle the financial fallout
*Does not cover damages to your own property, decor, or owned items. Only intended to cover damages to rentals or those of your guests.
**Liquor liability insurance is only included if alcohol is complimentary (not sold).
Event Insurance Coverage Limits
General Liability Limits
Price
The maximum amount of coverage you can receive during your policy period for bodily injury and property damage claims caused by your event.
$2,000,000
The maximum amount of coverage you can receive during your policy period for bodily injury or property damage caused by products used at your event, even after it’s over.
$2,000,000
The maximum the insurance carrier will pay per claim for bodily injury or property damage.
$1,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention, or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libel a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be a result of a bodily injury caused by your event.
$5,000
Alcohol Coverage
Price
Included if alcohol is served or offered complimentary/free of charge (not sold to guests).
Included
Required if alcohol is sold or charged, including (but not limited to) cash, by tickets, per glass, and through donations at the bar.
Available
Optional Add-Ons
Coverage for a third party, such as a business, property owner, or event venue, who could be named in a claim arising from your event. It cannot be used for employees, friends, family, vendors, planners, yourself, or other businesses you may own.
Raised limits are available for General Liability, Medical Payments, and Damage to Premises Rented to You coverage.
Coverage for vehicles your business rents, leases, or borrows, or when employees use their own cars for work purposes.
Removes the exclusion for golf cart coverage within your policy. This coverage may only apply when drivers accompany carts; guests are not permitted to drive.
Added endorsement that requires your insurance to respond first to a claim, without asking the other party’s insurance to share costs.
Added endorsement that prevents your insurance carrier from going after a third party to recover money paid out on a claim.
Your #1 Choice for Event Host Insurance
We make getting insurance for events easy with simplified policies and fast coverage, so you can focus on the moments that matter most — one toast at a time.
FAQs About Insurance for Hosting Events
What Types of Events Are Covered by Liability Insurance?
Event liability insurance covers private and special events with up to 5,000 attendees, including but not limited to:
- Weddings and receptions
- Family reunions
- Baby and bridal showers
- Graduations
- Anniversary parties
- Retirement parties
- Quinceañeras
- Bar and Bat Mitzvahs
- Corporate events
- School events
- Block parties
What Types of Events Are Not Covered?
Event host insurance does not cover:
- Events with over 5,000 attendees
- Events that go past 2:00 a.m. or overnight
- Certain concerts (rap/hip-hop, heavy metal, hard rock, or ska)
- Parades
- Political rallies
- Fraternities or sororities
- Overnight camping or retreats
- Adult or exotic venues
- Water activities or pools
- Fireworks (sparklers are okay)
- Mechanical rides (bounce houses, mechanical bulls, or inflatables)
- Motorsports
- Temporary grandstands
- International weddings or events
Need help figuring out if the event you’re hosting qualifies? Please contact us! A licensed agent from our team will be happy to help!
Do I Need Insurance to Host an Event?
Yes, you need insurance to host an event, especially if you are renting a venue. Event insurance is a smart way to protect yourself from unexpected costs.
Most venues require proof of insurance before allowing you to rent their space. The policy helps cover the costs of third-party accidents, so you won’t have to pay out of pocket.
Do I Need Insurance if My Venue Already Has Coverage?
Yes, you need insurance even if your venue already has coverage. The venue’s insurance policy protects the venue itself, not you as the event host.
Having your own event liability insurance specifically protects you from paying the costs of accidents, injuries, or property damage that occur at your event. Most rental contracts specify that the event host is required to purchase their own insurance to cover these risks.
Hear What Our Real Clients Have To Say
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025