Whether it's a wedding, a milestone party, a fundraiser, or a corporate gathering, an event puts real money and real liability on the line. Most venues now require the host to carry special-event liability insurance, and the deposits you've paid vendors are exposed if something forces a cancellation. Event insurance is inexpensive, short-term coverage that handles both. Maru arranges special-event and wedding policies so your celebration — and your budget — are protected.
What event insurance covers
| Coverage | What it protects |
|---|---|
| Special-event liability | Guest bodily injury and property damage at your event |
| Host liquor liability | Alcohol-related incidents when you're serving guests |
| Event cancellation | Lost deposits if you must cancel or postpone for a covered reason |
| Vendor no-show | Costs when a paid vendor fails to appear |
| Attire & gifts | Damage to the wedding attire, rings, or gifts |
| Extreme weather | Cancellation or postponement due to covered severe weather |
Why venues require liability
Venues carry their own insurance, but they require hosts to bring liability coverage so the venue isn't left holding a claim if a guest is hurt or the property is damaged during your event. A special-event liability policy names the venue as an additional insured, satisfies the contract, and protects you personally. We can usually issue the certificate of insurance the venue needs quickly, with the exact limits your contract specifies.
Cancellation and postponement
Weddings involve deposits paid months in advance to caterers, photographers, florists, and venues. Cancellation coverage reimburses those non-refundable costs when the event is derailed by a covered reason — severe weather, a vendor bankruptcy or no-show, illness, or damage to the venue. It's the coverage couples are most grateful for when the unexpected happens close to the date.
Frequently asked questions
Why does my venue require event insurance?
What's the difference between liability and cancellation coverage?
How far in advance should I buy it?
Does it cover alcohol at my event?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.
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