New Jersey Event Liability Insurance

Even the most fun planned events can unfortunately end in lawsuits. That’s why it’s so important to be set up with the proper coverage before that calendar gets booked solid. Which means having enough event liability insurance.

Fortunately a New Jersey independent insurance agent can help you find the right type of event liability insurance for you. Even better, they’ll get you the coverage you need, long before you need to file a claim. But first, here’s a deep dive into this important coverage.

What Is Event Liability Insurance?

Event liability insurance in New Jersey is a part of a complete event insurance package that protects against lawsuits related to events that you host or organize. Another form of general liability insurance, event liability is designed to cover specific events instead of entire businesses. A New Jersey independent insurance agent can help you find the coverage you need to host successful events in your area.

Special Event Liability Insurance in New Jersey

Specific event liability insurance offers legal protection for events in New Jersey. Event hosts and organizers are granted protection against:

• Bodily injury: Covers legal fees if any of the event’s attendees sue for claims of bodily injury.
• Property damage: Covers legal fees if any of the event’s attendees sue for claims of personal property damage.
• Medical payments: Covers the cost of treatment for injuries or illnesses claimed by attendees or other third parties after an event.
• Advertising injury: Covers legal costs if your event’s advertisement causes some form of injury to a third party.

Your New Jersey independent insurance agent can help you find the appropriate special event liability insurance for your business’s needs.

What’s Not Covered by Special Event Liability Insurance in New Jersey?

Just like any other form of coverage, special event liability insurance also comes with exclusions. According to insurance expert Paul Martin, special event insurance exclusions are often the following:

• Injuries filed under workers’ comp
• Product recalls
• Event contract disputes
• Professional errors
• Pollution

A New Jersey independent insurance agent can help you review your special event coverage and determine what your policy’s exclusions are.

Average Cost of Special Event Liability Coverage in New Jersey

When shopping for special event liability coverage, it’s helpful to know the average cost of protection for specific events. Some of the most common events that need coverage have average daily costs shown below.

• Weddings: $185
• Sporting Events: $250
• Trade Shows: $125
• Concerts: $400

A New Jersey independent insurance agent can look up exact quotes for special event liability insurance in your area.

One-Day Event Liability Insurance in New Jersey

Like the events shown above, many special events only run for one day. Therefore, one-day special event liability insurance is the perfect coverage for this limited duration. Coverage is only appropriate for one-day events. You’ll want to get a regular or special event liability insurance policy to cover longer occasions.

Liquor Liability Insurance for Events in New Jersey

If you’re serving alcohol at your event, it’s important to consider this extra exposure. When you host an event, you’re legally responsible for any intoxicated attendees causing injuries or damage to others, even after they leave the premises in many cases. 

To guard yourself against unnecessary lawsuits, it’s critical to be equipped with liquor liability insurance for your event. A New Jersey independent insurance agent can help you add this coverage.

Here’s How a New Jersey 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. New Jersey 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.