EVENT INSURANCE IN WORCESTER, MA

PROUDLY PROVIDING INSURANCE IN HOPKINTON & MANY OTHER TOWNS AND STATES ACROSS THE NATION

What is Event Insurance?

Organizations and individuals in Worcester, MA who put on events assume a certain level of risk when they do so. Should something go awry during an event, the host may be held responsible for any property damage or injuries that are sustained. Event insurance helps hosts protect themselves from many of the potential risks that come with hosting an event.

Event insurance policies are available for many different types of events. Policies are purchased by businesses, nonprofits and governments for everything from fundraisers and company parties to local festivals and parades. Individuals may purchase policies for birthday parties, weddings, graduations or just about any other event they’re inviting guests to.

What Types of Protections Do Event Policies Offer?

Event policies primarily offer liability coverages, and their liability coverages can be categorized into coverages that offer broad protections and those that are more narrowly defined. There are many different broad and narrow protections that an event policy might offer. (Exact protections vary from policy to policy.)

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Some broad protections that many hosts elect to include in their event liability insurance policies are:

Some examples of more specialized protections that certain hosts might want to include in their event liability insurance policies are:

  • Medical Malpractice Coverage, which may be needed if first aid is offered at an event
  • Animal Liability Coverage, which may be needed if live animals are used during an event
  • Aircraft Liability Coverage, which may be needed if aircraft is used during an event

These are just a few examples of the many different coverages that are available through event liability insurance policies. In most cases, hosts can find coverage for almost any activity they have planned. If coverage isn’t available, hoses likely ought to reconsider what they have planned – it may be unwise or unsafe (not to mention potentially illegal).

Do Event Liability Insurance Policies Include Property Protections?

Event liability insurance policies normally don’t include property protections, which generally protect physical property against covered perils. This coverage would usually be superfluous in an event policy, because property that’s used in an event is usually already covered by another policy. Hosts should already have property policies for property they own, and companies that rent items usually have property policies for those items.

(Event policies frequently do include liability coverage for rented or borrowed equipment, but this typically isn’t written as a property policy. It’s a specialized form of liability insurance that normally protects hosts in the event they’re responsible for damaging any rented or borrowed equipment. This coverage usually doesn’t provide protection against fire, hail, wind or similar perils.)

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Who in Worcester, MA Needs an Event Policy?

Almost any organization or individual who is hosting an event in Worcester, MA ought to consider getting an event policy. This includes hosts who are local to the Worcester, MA area, as well as hosts who are from other parts of the state or even out of state. Without insurance, a single incident could lead to a significant liability lawsuit that the host is unprotected against.

How Can Hosts Get Event Insurance Policies?

For help finding event insurance, hosts should contact an independent insurance agent from The Feingold Companies. Our independent agents will be able to help assess what coverages an event calls for and assist with finding an affordable policy that provides those coverages.

Contact Us

The Feingold Companies

Worcester Office
446 Main Street, Suite 1403
Worcester, MA 01608
Phone: (508) 831-9500
Fax: (508) 797-4030

New Lakeside & Dudley Insurance
446 Main Street, Suite 1403,
Worcester, MA 01608
Phone: (508) 943-0090

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