FAQs About Event Insurance in California

What types of events can be covered by event insurance in California?

Event insurance in California typically covers:

• Weddings and engagement parties
• Concerts and music festivals
• Trade shows and exhibitions
• Conferences and seminars
• Sporting events and tournaments
• Charity fundraisers
• Corporate events and galas

What does event insurance typically cover in California?

Event insurance in California usually includes:

• General liability coverage (up to $1 million per occurrence and $2 million aggregate)
• Property damage to rented premises
• Host liquor liability (if alcohol is served)
• Cancellation or postponement protection
• Medical payments coverage

How much does event insurance cost in California?

The cost varies depending on factors such as event type, size, location, and coverage limits. Policies can range from a few hundred dollars to several thousand dollars.

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.

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, often at no extra cost. Many venues in California require this as part of their rental agreement.

Does event insurance cover cancellations due to weather in California?

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

Are pandemics or infectious diseases covered by event insurance?

Generally, cancellation due to infectious diseases, pandemics, or epidemics, including the fear or threat thereof, is not covered under standard event insurance policies.