Event Insurance in New Hampshire

Also providing event  insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is event insurance?

Running an event inherently comes with some risks. Property can be damaged, attendees can be injured, and any number of other things can go wrong. Event insurance may help organizations putting on events in New Hampshire protect against a range of risks such as these.

Event insurance provides tailored coverage for the organizations and sponsors hosting events. Policies typically have a variety of liability coverages that can be customized.

What events in New Hampshire need insurance?

Organizations hosting events of any size in New Hampshire should consider getting insurance. Policies are available for private and public events, and events lasting anywhere from one day to several weeks. A few examples of events that a policy might insure include:

• Local and regional festivals
• Company parties and retreats
• Fundraisers and special donor events
• Seminars and conferences
• Many other events

In some cases, individuals might get a policy for a large private gathering. Hosts might use one-day event insurance to cover them while hosting a wedding, major anniversary celebration, major birthday party, graduation, or a similar celebration.

What insurance coverages do event policies come with?

Event policies mostly offer liability protections, although property coverages might be available too. Liability coverages generally insure against situations where the insured could be sued for causing someone else harm, whether that be injury, illness, or damage to their property. There are a variety of liability coverages that could be important to have:

• General Liability Coverage: Could cover basic accidents occurring during an event, and also during pre-event setup and post-event takedown. Basic accidents may include slipping on ice, tripping on a cord, falling off of a stage, and similar incidents.
• Product Liability Coverage: Could cover injuries or property damage caused by products that are distributed or sold at the event. Covered products could be sold goods, foods, drinks, prizes, and free swag.
• Spectator Liability Coverage: Could cover injuries that attendees suffer while watching activities at the event. May be needed if hosting athletic competitions, performances, live concerts, or similar activities.
• Automobile Liability Coverage: Could cover the use of vehicles at the event, which could include using shuttles, buses, delivery vans, security vehicles, trucks, or another type of vehicle.
• Liquor Liability Coverage: Could cover incidents involving at least one intoxicated guest. Covered incidents may include basic accidents, fights, sexual assaults, and alcohol poisoning.
• Medical Malpractice Coverage: Could cover errors made by medical staff hired for the event, which could be EMTs, paramedics, nurses, or physicians.

Other, more specialized, coverages might be needed for certain activities. For example, additional protections could be required if an event includes an air show or live animals. In these sorts of situations, a knowledgeable insurance agent can check what coverages are available through different policies.

Do event policies cover fireworks?

Event policies may offer coverage for fireworks, but this is far from a standard protection If an event will include a fireworks show, the host should consult with an insurance agent who specializes in insuring events. A specialized agent will be able to check which policies would cover a fireworks show. 

What are “additional insureds” in an event policy?

“Additional insureds” are usually parties added onto an insurance policy. Even though an additional insured isn’t the actual policyholder, they can normally still file a claim against the policy.

Sponsors sometimes may be asked to list a venue, major vendor, or another entity as an additional insured. Some venues and vendors require this of all events that they’re associated with.

How much do one-day event insurance policies cost?

Premiums for one-day event insurance policies vary, but these policies tend to be fairly affordable. To find out how much insuring a particular one-day event would be, hosts should talk with an independent insurance agent. An independent agent will be able to check quotes from several insurance companies.

Where can organizations in New Hampshire get event insurance?

For help insuring an event that’ll be held in New Hampshire, get in touch with the independent insurance agents of Insurance24. Our agents will work closely with you to determine coverage needs, and then help you find event insurance that’ll provide the protections you require. We can make sure you’re well protected from setup through takedown, and for everything in between.