Event Insurance
Guardian Insurance Agency
You run the event. We guard against the risk.
Events carry moving parts: venues, vendors, guests, gear. Event insurance helps protect your budget when plans change and shields you from liability if someone is hurt or property is damaged.
What Event Insurance Covers
Cancellation & Postponement (Time‑Element Coverage
If a covered cause forces you to cancel, postpone, or relocate, this coverage helps pay:
- Non‑refundable deposits and pre‑paid costs.
- Extra expense to keep the event alive (rush shipping, alternate venue, AV rentals).
- Supplier/venue failure costs when a contracted party doesn’t deliver.
Many policies can include non‑appearance (key speaker/performer), adverse weather, or civil authority (government order blocking access) subject to form and timing.
Event Liability (Third‑Party Claims)
Protects against claims alleging:
- Bodily injury to attendees, staff, or venue personnel.
- Property damage to the venue or third‑party property.
- Personal & advertising injury (policy‑dependent).
Most venues require liability coverage and a certificate of insurance (COI) naming them as additional insured with primary & non‑contributory wording and sometimes waiver of subrogation.
Alcohol at Your Event: Choose the Right Form
- Host Liquor Liability: You serve complimentary alcohol (no sales); coverage for injury/damage arising from service.
- Liquor Liability: Alcohol is sold or a license is involved (bar service, ticketed drinks). Often requires separate limits and specific permits.
We’ll coordinate Fiduciary, Cyber, D&O, Crime, and Workers’ Comp to close gaps.
Helpful Options to Consider
- Adverse Weather / Non‑appearance endorsements (timing rules apply).
- Hired & Non‑Owned Auto (delivery vans, rides driven by vendors or staff).
- Rented Equipment / Property of Others (often via inland marine / equipment floater).
- Terrorism coverage (where required by venue).
- Participant Accident (medical payments for attendees or volunteers).
- Setup/Teardown Dates included in the policy term.
- Cyber (online ticketing/payment vendor incidents).
What Affects Price
- Event type & activities (conference vs. concert; pyrotechnics, inflatables, athletic events).
- Attendance, duration, and venue (indoors/outdoors; jurisdiction).
- Alcohol service (host vs. liquor liability).
- Limits/deductibles and required endorsements (additional insured, waiver).
- Weather season/location and vendor dependency (A/V, catering, staging).
Common Exclusions (Know the Boundaries)
- Intentional acts or expected injuries.
- Professional services (security consulting, medical services need specialty forms).
- Workers compensation for staff injuries.
- Auto liability (use Hired & Non‑Owned Auto if needed).
- Communicable disease/pandemic (often excluded unless specifically endorsed).
- Property of others beyond rented gear unless scheduled.
We’ll align event liability, cancellation, HNOA, and equipment coverage so there are no gaps.
The Guardian Way
We parse your venue contract, vendor COIs, and production plan.
We place the right limits and endorsements (additional insured, P&NC, waiver).
We add cancellation/non‑appearance/weather where your event needs it.
Then we deliver clean COIs fast.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705