5 Things To Consider When Getting A Special Event Insurance Quote
Organizers of special events have a lot of things that have to be done
, but one aspect that is not just required but is truly common sense is to make sure the event is insured. Regardless of whether it is a sporting event, a dance, a field trip or even a wedding, having the event insured serves a lot of purposes. When planning the budget for your event, you will want to have a special event insurance quote so you can incorporate those numbers into your budget. However, to get a proper quote, you will want to make sure you let the agent know all aspects of your event so he can give you the right information back.Take a look at this list and make sure you've gotten everything on your list when getting a special event insurance quote:
1. First you want to discuss the nature of the event. For instance, if the event is a wedding or a concert, not only will liability insurance be required but a performance clause may need to be included as well. That way if a band doesn't show up or the groom backs out, you won't be financially liable for the "damage".
2. Sporting events require specialized coverage as well. The players need to be covered against injury, especially if it is a contact sport like football or martial arts. While non-contact events like cycling would seem like a safe sport, injuries still occur and ensuring you have special event insurance is a definite necessity.
3. The audiences at sporting events need to be part of the coverage as well. While participants definitely need coverage, if a fan falls in the bleachers or some other accident happens where someone gets hurt or property damage occurs, having the insurance protects everyone.
4. If food is going to be served at the event, having a clause in the special event insurance policy to prevent medical expenses from being incurred by the organizers against food poison or some other issue is important as well.
5. Outside events, especially charity events should have some type of protection against weather related issues. This way if the event has to be cancelled due to the weather, the organizers and the organization won't be stuck losing their entire investment in putting together the event.
When getting an insurance quote, the best way to ensure you've covered all your bases is by working with professional insurance agents. While you know some of the key elements that need to be covered, the insurance agent may know of other aspects that need to be included as well. While insurance is an expense that organizers may not like having to deal with, making sure the event comes off properly and that any problems that occur don't cost the organizers money is why you need it.
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