Frequently Asked Questions About Event Insurance in Arizona

What is event insurance?

Event insurance is a specialized policy designed to protect event organizers from financial losses due to unforeseen incidents during a special event. It typically includes general liability coverage and can be customized for various types of events.

Who needs event insurance in Arizona?

Event insurance is recommended for anyone hosting a special event, such as weddings, parties, concerts, corporate gatherings, or public events. Many venues in Arizona require event organizers to have liability insurance before hosting an event on their premises.

What types of coverage are included in event insurance?

Event insurance in Arizona typically includes:

• General liability (bodily injury/property damage)
• Host liquor liability
• Property damage to rented premises
• Medical payments

Optional coverages may include:

• Cancellation/postponement insurance
• Vendor liability
• Liquor liability (for selling alcohol)
• Care, custody, or control liability

How much does event insurance cost in Arizona?

The cost of event insurance in Arizona varies depending on the type and size of the event. Prices can start as low as $66 for a small wedding and increase for larger events. For example, a trade show expecting 250 people may cost around $125, while a concert expecting 2,500 people could cost approximately $400.

When should I purchase event insurance?

It's recommended to consider event insurance as soon as contractual arrangements are made with vendors or deposits have been paid. Coverage should be in place several days before the event, so plan accordingly.

Does event insurance cover cancellations due to weather?

Yes, many event insurance policies in Arizona offer coverage for cancellations or postponements due to extreme weather conditions that prevent the majority of guests from attending.

Can I add my venue as an additional insured on my policy?

Yes, most event insurance policies allow you to add your venue as an additional insured. This is often a requirement from venues and can typically be done at no extra cost.

Are event setup and teardown dates covered?

Some insurance providers, like American Specialty Express, offer coverage for seven days before and after the event, provided the policy is purchased far enough in advance.

What types of events can be insured?

Event insurance can cover a wide range of events, including weddings, family reunions, class reunions, bar/bat mitzvahs, non-commercial sporting events, block parties, fundraisers, fairs, and more.

How do I purchase event insurance in Arizona?

Many insurance providers offer online applications where you can get a quote and purchase insurance in minutes. You can also contact local insurance agents or brokers specializing in event insurance for personalized assistance.