When you spend a lot of time organizing an event, you want to make sure it goes off without a hitch. Unfortunately this isn’t always the case. That’s why having the right event liability insurance beforehand is so important.

Luckily an Illinois independent insurance agent can help you get set up with all the event liability insurance you need. They’ll also get you equipped with coverage long before the time comes to use it. But first, here’s a deep dive into this critical coverage.

What Is Event Liability Insurance?

Event liability coverage is one aspect of Illinois event insurance that provides protection against lawsuits stemming from an event you host or organize. Event liability insurance is basically a specific form of general liability coverage designed to protect against event-related lawsuits. An Illinois independent insurance agent can help you find the policy you need.

What Is Illinois Special Event Liability Insurance?

Special event liability insurance in Illinois provides critical protection for important events. Guests or other attendees may press charges against you if they claim to have been harmed in some way at or by your event. Because of this, special event liability insurance is designed to cover:

• Claims of bodily injury: Protects you if any event attendees sue you for claims of bodily injury.
• Claims of advertising injury: Protects you if your event’s advertisements cause someone physical, mental, or emotional harm.
• Claims of property damage: Protects you if any event attendees sue you for claims of personal property damage.
• Medical payments: Covers the cost of medical treatment to third parties who get injured by your event seriously enough to require care.

Your Illinois independent insurance agent can help further explain the important coverages included in special event liability insurance.

What Isn’t Covered by Illinois Special Event Liability Insurance?

Though special event liability insurance in Illinois provides a ton of critical protection, it also comes with its own set of exclusions. According to insurance expert Paul Martin, special event liability coverage often excludes:

• Professional errors
• Pollution
• Worker injuries
• Product recalls
• Event contract disputes

To protect workers against injuries and illness on the job, you’ll need an Illinois workers’ comp policy. An Illinois independent insurance agent can help you find all the coverage you need for your event, your crew, and more.

One-Day Event Liability Insurance in Illinois

Many important events only have a duration of one day. Concerts, weddings, sporting events, and many more fall into this category. But even though these events are relatively short, there’s still a whole lot that could go wrong and lead to a hefty lawsuit.

One-day event liability insurance is designed to protect just these kinds of events. That's because no matter whether your event runs for one week or one hour, it’s critical to be equipped with liability protection. A resulting lawsuit could easily wipe out any of your event’s profits without the proper coverage.

How Much Does Special Event Liability Cost in Illinois?

The cost of your special event liability insurance will vary depending on a few factors, like the type of event you’re hosting, its risk level, and the exact location. Events in larger cities like Chicago, where there’s an increased risk of crime, will probably cost more to insure than events thrown in smaller, safer towns.

Here are common average costs for popular special event liability coverage occasions:

An Illinois independent insurance agent can provide you with exact quotes for special event liability insurance in your area.

Do I Need Liquor Liability Coverage for My Event in Illinois?

That depends entirely on whether you’ll be serving liquor. If an event provides alcohol, whether it’s a concert, wedding, or anything else, there’s automatically a huge additional risk present. If an intoxicated guest leaves your event and causes harm, you could still be held liable for the charges.

To be extra secure, it’s imperative to consider getting liquor liability insurance for your event if even one drop of alcohol will be served. Liquor liability insurance protects you from liquor-related lawsuits filed against you, the event host. An Illinois independent insurance agent can help you find the right liquor liability coverage for your event.

Here’s How an Illinois Independent Insurance Agent Can Help

When it comes to protecting event hosts against lawsuit costs and all other expensive threats, no one’s better equipped to help than an independent insurance agent. Illinois independent insurance agents search through multiple carriers to find providers who specialize in special event liability insurance, deliver quotes from a number of different sources, and help you walk through them all to find the best blend of coverage and cost.