Event Insurance in Illinois

Learn more about our event insurance coverages and get a quote from one of our knowledgeable independent agents. Providing coverage across Illinois, Indiana, and other states.

What is event insurance?

Putting on an event can present multiple liability risks. Should anyone be injured during the event, the person or organization behind the event might be held liable. Event insurance can help hosts and sponsors protect themselves from a range of liability risks when they’re holding an event in Illinois.

Event insurance offers specialized liability protections for event sponsors and hosts. If someone is injured, policies often cover legal fees and settlements for covered claims.

What events in Illinois require event liability insurance?

Event liability insurance is widely recommended anytime there’s a significant event, whether it’s a single day or several weeks. Illinois businesses, municipalities, and nonprofits often a policy.

Event policies might also be recommended for certain large private gatherings. While a small birthday party likely doesn’t call for an event policy, larger gatherings can. Family reunions, weddings, major anniversary celebrations, and graduations might be large enough for getting a policy. 

What event liability insurance coverages should event hosts and sponsors look for?

Event policies may provide hosts and sponsors with a range of protections. Some important coverages that most hosts should consider are:

• General Liability Coverage: Could cover basic accidents that occur during an event itself, or during setup and takedown. Falling down steps, tripping on an extension cord, or slipping on ice are some examples of what accidents might be covered.
• Product Liability Coverage: Could cover injuries or property damage that’s caused by the products used, sold, given away, or otherwise distributed during an event. Products like foods, beverages, game prizes, sold merchandise, and free swage might be covered.
• Spectator Liability Coverage: Could cover injuries that are sustained by attendees while they’re watching event shows or competitions. This protection might be needed for live concerts, animal shows, athletic competitions, or other performances.
• Automobile Liability Coverage: Could cover accidents involving vehicles which are used during an event. Buses, shuttles, security cars, delivery vans, and other vehicles used by event hosts or sponsors might need to be insured.
• Liquor Liability Coverage: Could cover accidents and other incidents involving intoxicated attendees. Sexual assault, physical fights, alcohol poisoning, and simple slip-and-fall accidents might be covered.
• Medical Malpractice Coverage: Could cover mistakes made by medical staff hired for the event, such as doctors, nurses, paramedics, or EMTs.

In addition to these common protections, select events might require other protections. There are many other specialized liability add-ons that policies might have available, such as aircraft liability and live animal liability.

If any specialized coverages are required, an insurance agent who knows event liability insurance well should be able to find the necessary protections.

Are fireworks covered by event policies?

Most event policies don’t include fireworks coverage as a standard feature, but it may be available as an optional add-on. This is another more specialized protection that a knowledgeable can assist with. 

What does it mean to have someone listed as an “additional insured?”

Listing someone as an “additional insured” normally allows them to make a claim against the insurance policy. Even though they aren’t the policyholder, they usually can take advantage of the protections offered.

Event hosts are sometimes required to list a venue or sponsor as an additional insured on the event policy.

How much is an insurance policy for a one-day event?

Insuring an event that’s just one day can be quite affordable. Premiums are able to be kept low, because coverage is only needed for just a single day.

To find out exactly how much insuring a one-day event will be, hosts can check custom quotes with an independent insurance agent. Independent agents aren’t affiliated with any specific insurers, so they can request quotes from several companies.

Where can hosts holding events in Illinois find event insurance?

If you’re going to be holding an event in Illinois, contact the independent insurance agents at L.A. Blanchette Insurance for help finding event insurance. We can make sure you find a policy that has the right coverages for your event, and will protect your organization well.