Event Insurance in Vermont

T.S. Peck Insurance
Event Insurance Vermont

What is Event Insurance?

Hosting events is a lot of fun, but it also comes with potential liabilities. If something goes awry at an event, the host may be held financially responsible for any property damage or personal injury that results from the incident. Event insurance helps protect people and organizations in Vermont from many of the potential financial risks that come with hosting events.

As mentioned, event insurance may be purchased by individuals or organizations, including businesses, nonprofit organizations, and governments. It’s often used to insure fundraisers, parades, sports competitions, weddings, anniversary celebrations, and birthday parties, as well as many other events.

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Client Testimonials

“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”

John S.

“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”

Lary P.
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
Dayne D.
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Scott L.
Event Insurance Vermont

What Coverages Are Included in Event Liability Insurance Policies?

Event liability insurance policies can include many different insurance coverages, which is why they can be used to insure a diverse array of events. Some of the coverages are broad and purchased by many hosts, while others offer more narrow protections and are, therefore, only occasionally selected by hosts.

Some of the broad coverages that event liability policies might provide are:

  • General Liability Coverage, which normally gives hosts protection from a variety of common potential scenarios
  • Liability for Rented or Loaned Property Coverage, which might cover equipment or property that’s rented for an event
  • Automobile Liability Coverage, which may cover vehicles used during an event
  • Liquor Liability Coverage, which might cover alcohol-related incidents at events where alcohol is served
  • Product Liability Coverage, which may cover product-related claims arising from products sold or given out at an event (this sometimes includes food)
  • Spectator Liability Coverage, which might cover any injuries that event attendees sustain during a show or game

The more narrow coverages that event liability policies can include are numerous. Here are just a few examples that show how specific these coverages can be:

  • Aircraft Liability Coverage, which might provide liability coverage for any aircraft used during an event
  • Medical Malpractice Coverage, which may provide liability coverage for medical mistakes made by first aid staff at an event
  • Animal Liability Coverage, which might provide liability coverage for animals used during an event

Do Event Liability Insurance Policies Offer Any Property Coverages?

Event liability insurance policies generally don’t provide property coverages, because event hosts usually don’t need any property coverages. Land, buildings, and equipment that’s used during an event is usually already covered against fire, theft, and similar perils by an insurance policy that the owner already has. Thus, purchasing additional property coverage would usually only serve to duplicate coverages.

(The liability coverage that hosts can obtain for rented and loaned property normally offers protection against damage that the host is found responsible for. This protection, however, is different from the protections afforded by traditional property insurance policies.)

Event Insurance Vermont

What Vermont Residents and Organizations is Event Liability Insurance For?

Any person or organization hosting an event in Vermont may want to purchase an event liability policy for their event. This even includes out-of-state residents and organizations that will be putting on an event in the state. For, an incident could happen at any event — someone may slip and get hurt at a small birthday party or a major sports game — and few people and organizations have the financial resources to survive a major liability claim.

How Can People and Organizations Get Event Insurance for Events in Vermont?

People and organizations that need event insurance for an event that’s being held in Massachusetts should contact an independent insurance agent in the state. An independent agent can help assess what liability coverages are appropriate to purchase for an event, and they can request quotes for policies that have the appropriate protections.

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T.S. Peck Insurance

For questions or concerns, please contact our independent insurance agents.

Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403

Office: 158 Lake St,
St Albans, VT 05478