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Special EventsAs we near the holiday season many companies and non-profits host a number of special events. You would never think to let your firm go without Malpractice Insurance, Workers Compensation Insurance or a Business Owners Policy (BOP).  But do you have coverage for your special events?  The BOP may provide automatic protection for some aspects coverage for an event.  So whether the manager of the venue requires proof of coverage or not it is best to check with your agent as to what coverage you have for a specific special event prior to hosting the event.

Business functions such as client dinners, parties, and outings can have a significant impact on the success of your firm. An event can be used to:

1.       Reward or motivate employees to improve productivity;

2.       Help to raise your firm’s profile in the community to bring in new clients

3.       Wine and dine a potential client transforming your firm from a possible option to the chosen one.

Business functions also can be expensive to host and plan. No matter how well your staff or event planner has done, they cannot guarantee that the function will go off without a hitch. Special events insurance for business functions can provide coverage when an event must be canceled due to inclement weather or there is a problem with the primary location.  It can also prevent losses because vendors don't show up or don't perform as agreed.  Finally, special events insurance can protect your firm from liabilities should an accident causing bodily injury, or property damage occur during the event—even if the incident is fueled by alcohol.

Whether the venue hosting your event requires it or not, special events insurance is vital to ensuring that you walk away from the function without a major financial loss if something goes wrong. A special events insurance policy has many different coverage options, limits and deductibles, making premiums flexible and affordable. It is not just for corporate functions, this insurance can also be utilized by nonprofits holding fundraising events.

Posted 9:14 PM

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