Florida Event Liability Insurance

Find the Best Event Liability Insurance Rates & Companies in Florida

When hosting a special event, such as a graduation party, a fundraiser, or a wedding, there are certain risks you must keep in mind from the beginning. From accidents to lawsuits, you'll need to ensure your event is covered with the proper event liability insurance. This critical coverage can reimburse you for lawsuits related to guest and vendor injuries, property damage, and more.

Fortunately, a Florida independent insurance agent can help you get set up with the right amount of event liability insurance. They'll consider your event's unique risks and find the policy that includes the ideal amount of coverage. But first, here's a breakdown of Florida event liability insurance requirements and more.

Best Event Liability Insurance Companies in Florida

Many different insurance companies in Florida sell event liability insurance. However, when you're looking for the best, it's helpful to know where to start comparing policies and rates. Here are a few of our top picks for the best event liability insurance carriers in Florida.

1. Liberty Mutual: This carrier sells special event liability insurance and many other types of business and personal insurance. Liberty Mutual is highly rated by AM Best and the Better Business Bureau (BBB), offers many discounts, and provides 24/7 claims reporting. 
2. Travelers: Travelers is a longstanding carrier in the insurance industry with superior ratings from AM Best and the BBB and offers numerous discounts.
3. Nationwide: Nationwide is highly rated by AM Best and the BBB, offers coverage in most states, and provides 24/7 claims reporting. They offer many types of insurance aside from special event coverage.

An independent insurance agent in Florida can help you compare event liability insurance quotes and policy options from each of these outstanding carriers and others you may be interested in.

What Is Event Liability Insurance?

Event liability insurance is also sometimes referred to as “special event insurance,” “one-day event insurance,” or “event insurance.” It's a specialized insurance policy designed to protect the event host from financial losses due to potential liability risks. These can include bodily injury and personal property damage to third parties such as vendors and event guests. 

Event liability insurance includes the two main components of general liability insurance, which are property damage liability and bodily injury liability. However, coverage is tailored to special events and provides temporary coverage for only the time period in which you need it, such as a single day. In many cases, the venue at which you host your event will require you to have this coverage.

You may need event liability insurance for any of the following special events:

When you plan a special event, be sure to talk to an independent insurance agent in Florida for help finding a reliable event insurance policy to protect your financial interests.

Is Liability Insurance Required for Private Events in Florida?

While event liability coverage is not required by law in Florida, it's likely required by the venue where your event will be held. For example, if you rent a banquet hall for a wedding, the hall may require you to have event liability insurance for the day of your event. 

Regardless of whether coverage is technically required, special event policies can save you a lot of money if an unexpected tragedy happens during your event. Just one lawsuit from a guest or vendor could set you back tens to hundreds of thousands of dollars or even more.

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What Does Event Liability Insurance Cover in Florida?

There are a few different kinds of liability coverage your event insurance can provide. While general liability insurance is necessary for any type of event, many other coverages are optional. Policies can vary, but you can often find some or all of the following types of coverage included in special event liability insurance:

• General liability insurance: This can cover injuries, property damage, and illnesses such as food poisoning your guests may suffer due to your event. It can also cover damage to the venue that occurs during your event.
• Liquor liability insurance: Florida’s dram shop laws don't hold social hosts responsible for injuries or property damage caused by intoxicated guests. However, your business may still want protection against potential resulting costs from intoxicated patrons.
• Hired/non-owned auto liability insurance: This can cover any vehicles that may be hired for use by your event, such as if you rent limousines for guests or provide shuttle services from a parking area to the event venue.
• Garagekeepers insurance: This coverage may be necessary if you offer valet parking services at your event. It can cover loss or damage to your guests’ vehicles while they are in the custody, care, or control of your parking attendants.
• Event cancellation insurance: This can reimburse you for nonrefundable down payments made for various elements of your event, such as food catering services, flower delivery, photographers, etc. if your event gets canceled or postponed due to covered perils like vendor cancellations, inclement weather, and natural disasters.

Ask a local Florida independent insurance agent for help with identifying your event’s potential risks and building an adequate special event policy.

What's Not Covered by Florida Event Liability Insurance?

Insurance companies often exclude certain hazardous activities from their coverage. It's unlikely that your event liability insurance will cover injuries and other liabilities related to:

• Pyrotechnics
• Firearms
• Amusement rides and devices
• Aerial maneuvers
• Hazardous activities like bungee jumping and trampoline use
• Malicious or intentional acts against third parties
• Certain sports-related injuries

Be sure to review your specific event insurance policy to be certain of its various coverage exclusions before you ever try to file a claim.

How Much Does Event Liability Insurance Cost in Florida?

Event liability insurance is often relatively inexpensive, so costs shouldn’t hinder you from purchasing a policy. Special event insurance rates are typically based on factors such as:

• The location of your event
• The duration of your event
• The number of guests attending your event
• The amount of coverage you need
• Whether food and/or alcohol will be served at your event

Many small businesses in Florida pay about $250 for special event liability insurance. However, the longer your event is and the riskier it is in nature, the more expensive you can expect your coverage to be. A local independent insurance agent in Florida can help you find the most affordable policy.

Popular Questions about Florida Event Liability Insurance