When you organize an event, the last thing you want to come out of it is a lawsuit. But unfortunately, even the seemingly tamest of all events can lead to injuries and upset. That’s why it’s critical to be equipped with event liability insurance before the big day.

Fortunately, a Florida independent insurance agent can help you find the right type of event liability insurance to protect you from unforeseen lawsuits. Even better, they’ll get you the coverage you need, long before you need to use it. But before we jump too far ahead, here’s a closer look at this critical coverage.

What Is Event Liability Insurance?

Event liability insurance is one part of Florida event insurance designed to protect you against legal issues that could arise due to an event you organize, host, etc. It’s basically a more specific form of Florida general liability insurance tailored to cover only a specific event, rather than an entire business overall. A Florida independent insurance agent can help explain when and why you would need event liability insurance.

What Does Special Event Liability Insurance Cover in Florida?

Special event liability insurance in Florida provides important legal protection for specific events. Policies protect the event holder against the following potential claims.

• Costs of medical payments: Your event liability insurance might cover medical payments for guests or other third parties who get injured at your event or as a result of your event. Coverage applies regardless of actual fault.
• Advertising injury claims: Event liability insurance also protects you if the advertising you run for your event causes some form of injury to a third party, and they press charges.
• Bodily injury claims: If a third party gets injured at your event or as a result of your event and presses charges against you, this coverage will pay for the court fees.
• Personal property damage claims: If a third party claims to have suffered personal property damage at or as a result of your event, they also might press charges against you. This coverage would take care of the court fees.

Your Florida independent insurance agent can help you find the appropriate special event liability insurance for your needs.

What Isn’t Covered by Special Event Liability Insurance in Florida?

Though special event liability insurance in Florida provides a lot of important legal protection during an event, it can’t cover just anything. According to insurance expert Paul Martin, these are a few common special event insurance exclusions. 

• Event contract disputes
• Professional liability claims
• Pollution liability claims
• Workers’ comp. claims
• Product recall liability claims

To get better protection for your business, look into a Florida business insurance policy or professional liability insurance where applicable. To protect your business’s workers at an event, make sure to purchase Florida workers’ compensation coverage. A Florida independent insurance agent can help you get set up.

How Much Does Liability Insurance Cost for an Event in Florida?

The cost of event liability insurance will depend on a few factors, including the type of event and its risk level. Here are some per day pricing averages for common types of events that need liability coverage.

A Florida independent insurance agent can help provide you with exact quotes for special event liability insurance in your area.

What Is One-Day Event Liability Insurance in Florida?

The title makes this coverage pretty self-explanatory. One-day special event liability insurance in Florida is designed to cover events that only span the duration of a single day. Weddings or concerts are both examples of events that only need one-day event liability insurance. Depending on the nature of your event, this coverage might be adequate, or you might need to go with another form of special event liability insurance that has a longer coverage period.

Liquor Liability Insurance for an Event in Florida

For events where alcohol will be served, you might want to consider also purchasing liquor liability insurance. It’s considered your fault as the event’s host if a guest or other third party leaves your event intoxicated and causes injury or damage. To protect yourself against potential lawsuits that could arise from serving alcohol at your event, make sure to talk with your Florida independent insurance agent about adding liquor liability insurance as well.

Here’s How a Florida Independent Insurance Agent Can Help

When it comes to protecting event hosts against lawsuit costs and all other expensive threats, no one’s better equipped to help than an independent insurance agent. Florida independent insurance agents search through multiple carriers to find providers who specialize in special event liability insurance, deliver quotes from a number of different sources, and help you walk through them all to find the best blend of coverage and cost.