FAQs About Event Insurance in Virginia

What types of events typically require insurance in Virginia?

Most events held on public property or at venues in Virginia require insurance, including:

• Weddings
• Corporate events
• Festivals
• Fundraisers
• Concerts
• Sporting events

How much liability coverage is typically required?

Many venues and cities in Virginia require at least $1 million in general liability coverage for events. Some may require higher limits depending on the type and size of event.

When should I purchase event insurance?

It's recommended to purchase event insurance as soon as you begin making deposits or contractual arrangements with vendors. For cancellation coverage, you typically need to buy the policy at least 14-15 days before the event. Liability coverage can often be purchased up to one day before the event.

Can I add my venue as an additional insured?

Yes, most event insurance policies allow you to add your venue as an additional insured at no extra cost. Many venues in Virginia require this as part of their rental agreement.

Does event insurance cover cancellations due to weather?

Many policies offer coverage for cancellations due to extreme weather conditions, but the policy typically must be purchased at least 14-15 days before the anticipated weather event.

What types of coverage are typically included?

Common coverages for events in Virginia include:

• General liability
• Property damage
• Host liquor liability
• Cancellation/postponement protection
• Medical payments

How much does event insurance typically cost in Virginia?

The cost varies depending on factors like event type, size, location, and coverage limits. Basic liability policies can start around $75, while more comprehensive packages may range from $200-$600.