Coverage Options

Event Cancellation Coverage

Event cancellation insurance is one of the most valuable coverages available for event organizers. It reimburses your non-recoverable deposits and expenses if your event must be cancelled or postponed due to covered reasons.

Covered reasons typically include severe weather, venue closure or bankruptcy, sudden illness or injury of key participants, utility failures, transportation strikes, and other unforeseen circumstances beyond your control.

• Reimburses non-recoverable vendor deposits
• Covers venue rental costs if cancellation occurs
• Protects catering, entertainment, and decoration expenses
• Additional costs from postponement (rebooking fees)

Did You Know?

Cancellation coverage only protects costs incurred after the policy is purchased. The earlier you buy coverage, the more of your investment is protected. We recommend purchasing as soon as you start signing vendor contracts.

General Liability Coverage

General liability insurance is the foundation of event insurance and is often required by venues, parks, and event spaces throughout Utah. It covers bodily injury and property damage claims from third parties at your event.

If a guest slips and falls, if event equipment damages the venue, or if a visitor is injured by event activities, general liability coverage protects you from potentially devastating financial claims. Most policies provide $1 million per occurrence and $2 million aggregate.

• Bodily injury to guests and attendees
• Property damage to the venue or third-party property
• Legal defense costs if a claim goes to court
• Medical payments for minor guest injuries

Venue Requirement

Most Utah venues — including hotels, convention centers, public parks, and private estates — require event organizers to carry general liability insurance. Many also require you to name the venue as an additional insured on your policy. We handle this paperwork for you.

Liquor Liability Coverage

If your event will serve alcohol — whether through an open bar, cash bar, or BYOB arrangement — liquor liability coverage is essential. It protects you from claims arising from alcohol-related incidents at your event.

Utah has strict alcohol regulations and host liability laws. As the event organizer, you could be held responsible if an intoxicated guest injures someone, damages property, or causes an accident after leaving your event. Liquor liability coverage provides critical financial protection in these scenarios.

• Injuries caused by intoxicated guests
• Property damage from alcohol-related incidents
• Legal defense costs for alcohol-related claims
• Coverage for all service types (open bar, cash bar, BYOB)

Important Note

Many venues and caterers in Utah require liquor liability coverage before they will serve alcohol at your event. Even if not required, it's strongly recommended — a single alcohol-related claim can result in significant financial liability for the event host.

Weather Insurance

Utah's weather can be unpredictable — from sudden mountain storms to extreme heat in the southern regions. Weather insurance protects against financial losses caused by adverse weather conditions that force cancellation or significantly impact your outdoor event.

This coverage is especially valuable for outdoor weddings, festivals, concerts, sporting events, and any occasion that depends on favorable weather conditions. Policies can be customized to trigger at specific weather thresholds (rainfall amount, wind speed, temperature extremes).

• Rain, snow, and hail protection
• High wind coverage
• Extreme temperature triggers
• Customizable weather thresholds

Utah Weather Tip

Utah is known for afternoon thunderstorms in summer and early snowfall in autumn. If you're planning an outdoor event in the Wasatch Front, Park City, or Southern Utah, weather insurance provides valuable peace of mind against Mother Nature's surprises.

Vendor No-Show Coverage

Your event depends on reliable vendors — caterers, DJs, photographers, florists, rental companies, and more. Vendor no-show coverage protects you when a contracted vendor fails to appear or deliver services as agreed.

This coverage reimburses the additional costs you incur to find a replacement vendor or covers the financial impact of going without the service entirely. It applies when the vendor's failure is due to their own issues (bankruptcy, scheduling error, vehicle breakdown) rather than a broader event like weather.

• Replacement vendor costs
• Last-minute booking premiums
• Covers all vendor types (catering, entertainment, rentals)
• Financial impact of missing services

Pro Tip

Always get written contracts with your vendors, even for small events. Vendor no-show coverage works best when you can document the agreed-upon services and costs. Your agent can advise on what documentation strengthens your coverage.

Property & Gift Coverage

Event-related property can represent a significant investment — custom decorations, rented equipment, audio-visual gear, signage, gifts, and personal items. Property and gift coverage protects these items from theft, damage, or loss during your event.

Coverage typically extends from setup through teardown, protecting your property during the entire event timeline. This is especially valuable for events with high-value decorations, expensive equipment rentals, or gift displays.

• Decorations and event setup materials
• Rented equipment (AV, lighting, staging)
• Gifts and personal items
• Coverage during setup and teardown

Coverage Period

Property coverage typically starts when you begin setting up at the venue and continues through the teardown period. Make sure to discuss your event timeline with your agent so the coverage period matches your full event schedule.