Special Event Insurance

Whether you’ve planned a wedding, a bar mitzvah, or a big birthday gathering for Grandma’s 80th, you have made a significant investment of time and money to ensure that your special event goes well.  To prevent an unforeseen complication from ruining the big day, consider a special event insurance policy from O’Connor & Co. Insurance Agency, Inc.

Special event insurance is a simple and affordable way to protect your investment for many types of planned gatherings, including:

• Weddings
• Baby and bridal showers
• Birthdays
• Religious celebrations
• Anniversary parties
• Fundraisers or corporate parties

Special event insurance policies in Massachusetts and Connecticut typically provide coverage in two main areas:  liability insurance and postponement/cancellation insurance.

• Liability insurance – Although many rental spaces carry liability coverage, you would be wise to purchase your own to cover costs and protect yourself if a guest is injured or suffers property damage at your event.  For additional protection, consider adding liquor liability coverage if your event will be serving alcohol.
• Postponement/cancellation insurance – If a vendor or the rental space cancels at the last minute, this provides reimbursement for finding a replacement on short notice.  Likewise, postponement insurance helps cover costs if your event is cancelled due to a weather emergency or if an essential participant suffers injury or illness and cannot attend.

Keep in mind that most policies must be purchased well in advance of your event, so be sure to set up your policy when you are making deposits and reservations.

For more information on creating a special event insurance policy to protect your special gathering, contact the experts today at O’Connor & Co. Insurance Agency, Inc.