Pennsylvania Wedding And Special Event Insurance

Or call for your free quote:

Get the best PA small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more.

Pennsylvania Wedding And Special Event Insurance Policy Information

PA Wedding And Special Event Insurance

Pennsylvania Wedding And Special Event Insurance. Weddings, baby and bridal showers, baptisms, bar and bat mitzvahs, sporting events; life offers so many wonderful opportunities to celebrate! If you're planning on hosting a special event to commemorate a memorable moment, you want to ensure that everything goes as smoothly as possible.

While you've made sure that you've chosen the best venue, suppliers, and providers, and you've crossed all your T's and dotted all of your I's, you never know when something unexpected could occur and derail your plans.

How can you protect yourself from the unexpected? Invest in an entertainers and performers insurance Pennsylvania policy. What is wedding and special event insurance? Why should you have it? Read on to find the answers to these questions and more so you can make sure that you're properly prepared for whatever life throws your way.

Pennsylvania wedding and special event insurance protects protects event holders from third-party lawsuits (and is often required by venues) - with rates under $59 per event. Get a fast quote and your certificate of insurance now.

What Is Wedding And Special Event Insurance?

Also known as "one-day" event insurance, spectator liability, or commercial general liability insurance, Pennsylvania wedding and special event insurance is a policy that is designed to protect you from financial losses for special occasions.

Wedding and special event insurance can cover your costs in case you unexpectedly need to cancel, pay for medical expenses if a guest is injured, or if you're found responsible for property damage or injuries that occur during the event.

In addition to weddings, examples of special occasions and one-day events include:

  • Anniversary parties
  • Athletic / Sporting Events
  • Award Ceremonies
  • Baby Showers
  • Baptism
  • Bar or Bat Mitzvah
  • Birthday parties
  • Charity Functions
  • Community events
  • Company Parties
  • Concerts & Music Events
  • Conferences
  • Conventions & Meetings
  • Corporate Hospitality
  • Employee Incentive Trips
  • Fairs & Festivals
  • Fashion Shows
  • Graduations
  • Housewarming parties
  • Major Sporting events
  • Memorial services
  • Motorsport events
  • Product Launches
  • Quinceaneras
  • Retirement parties
  • Special events
  • Trade Shows & Exhibitions
  • Teleconferences
  • Theatre Productions
  • Weddings
  • and many more...

Essentially, anything that involves a gather of people for the intended purpose of celebrating something is considered a special event.

In the event that something unexpected arises that requires the cancellation of the PA event, or if you it's determined that the property where the event was held is damaged or someone who attended the event is injured, special event insurance covers the cost of any expenses that you are responsible for.

You can also add additional coverage to a special event insurance policy to cover specific items; food, clothing, audio-visual equipment, accessories, and more.

Do You Need Insurance For Your Wedding Or Special Event?

It depends, but most venues will require you to purchase general liability insurance for your event to protect you and them in case someone gets hurt or the property is damaged. You might even be at risk of losing your venue reservation if you don't provide proof of insurance.

To find out if you need to invest in special event insurance, make sure you consult with the owner and operator of the venue where you are holding your event.

You may also be asked to add the venue or facility to the Pennsylvania wedding and special event insurance policy as an insured entity. The vendor or facility would be known as "Additional Insured" on your policy.

If you do require this type of policy, your point of contact must let you know. Additionally, they must let you know how much coverage you require.

If special event insurance is needed, it's important to note that you may need to provide your vendor with a certificate of insurance. In other words, you'll need to provide proof that you have purchased a liability insurance policy.

What Does Wedding And Special Event Insurance Cover?

The coverage this type of insurance provides varies. Most policies offer liability coverage, meaning that they protect you from having to pay for any damages that may occur within the facility or venue as a result of your special event, as well as any medical care that may be required if someone sustains an injury at your event.

It canmight also protect you from any financial losses in the event of an unexpected cancellation for circumstances out of your control such as:

  • Any other previously unforeseen cause not excluded
  • Damage to leased or rented venues
  • Damage to surrounding venues or infrastructure resulting in lack of access
  • Failure of TV broadcast
  • Failure of public transport facilities or denial of access
  • Inability to erect facilities at venue
  • Labor Dispute/Strike risks
  • Natural catastrophe such as earthquake and flood
  • Non-appearance of key speakers, performers, or personnel due to death, injury, or illness
  • Power failure
  • Satellite and signal transmission failure
  • Spread of communicable diseases (COVID-19 Coronavirus currently excluded)
  • War, terrorism, sabotage, and civil or political unrest
  • Weather and environment related perils such as rain, snow, wind, and earthquakes

Depending on the policy and the insurance provider you are working with, you may be able to add additional coverage to your wedding or special event policy. Following are some examples of additional coverage endorsements (which have titles that will vary among companies) are often offered as optional wedding coverages:

  • Ancillary Activities: Typically, a basic wedding policy only covers the location of the wedding ceremony. This optional coverage extends protection to ancillary (related) events that are held at different locations. Most commonly the coverage is for the sites of rehearsal dinners, receptions, bridal showers/engagement parties and bachelor parties, but could also extend to something more unusual such as a separate photo studio session.
  • Cake and Flowers: This optional coverage will reimburse the insured/honoree for expenses related to the loss, damage or destruction of the wedding cake, flowers and sometime other decorations. The typical coverage period is for the day of the event and the immediately preceding 24 hours. Covered locations include the home of the bride, groom, either party's parents, or the reception site. Coverage is effective during transit between these locations. Exclusions - Typical noncovered situations are losses that occur after the end of the event, transit losses when the property was not properly packed and/or secured and theft losses when the property is unattended.
  • Call to Duty/Active Service: This optional coverage will reimburse the insured/honoree for certain expenses if the wedding is postponed or cancelled because the bride or groom is, suddenly, required to report for military duty. The coverage also applies if the event was planned during a scheduled military leave and the leave is revoked or cut short. Note: It is not unusual to have this eventuality covered under a basic wedding or event policy.
  • Documents: This option responds to loss of wedding (or special event) related records or documents that occurs, typically, within 24 hours before, the day of, and 24 hours after event. It only applies to such property that is in the care or custody of key event (wedding party) participants. The insurer reserves the option of reimbursing the loss or replacing the items.
  • Jewelry Rider: This option provides separate, comprehensive coverage for engagement and wedding rings, as well as accessory jewelry that is acquired specifically for the wedding (anything from bracelets, anklets or even tiaras). Naturally, pricing depends upon the documented value of the jewelry (bills of sales or, for older items, current appraisals). Coverage may be only for the bride and groom's jewelry. In some policies this coverage may be extended to cover borrowed or rented jewelry while on other policies such borrowed or rented jewelry may be covered only under a separate option, sometimes called "Special Jewelry" protection.
  • Liquor Liability: Responds to allegations that the applicable insured/host of the wedding or reception is responsible for a loss due to his or her providing alcoholic beverages. This option is for instances where alcoholic beverages are sold, such as a reception that includes a cash bar or a cover charge.
  • Marquee Cover: Provides coverage for a wedding and/or reception that is held in a marquee. A marquee is a larger, elaborate tent that is suitable for parties and which may include hard floors and luxury furnishings.
  • Pregnancy Cover: Extends the wedding insurance policy to include cancellation or postponement due to the bride's pregnancy, but coverage usually terminates after a maximum number of weeks into the term, such as 28 weeks.
  • Professional Counseling: This coverage is subject to the deductible appearing on the form. It responds to the expense faced by a former honoree to receive professional help to deal with the cancellation of the wedding. Note: The need for counseling needs to be determined and recommended by a licensed physician.
  • Stationery: This option responds to loss of wedding (or special event) related stationery that occurs, typically, within 30 days of the covered event. Exclusions - Typical noncovered situations are losses that occur after the end of the event, transit losses when the property was not properly packed and/or secured and theft losses when the property is unattended.
  • Weather Conditions: Wedding policies cover wedding postponements or cancellations that are caused by extreme weather conditions such as flooding, earthquakes, blizzards, hurricanes, etc. Routine weather activity is usually excluded. However, if the event is particularly expensive and weather is a major concern, optional coverage may be available, but usually for a very specific cause. Coverage and rates will be highly dependent upon available forecasts for the date of the event and the rider may be written for a coverage period of only a few hours.
  • Wedding Liability: Many companies that offer wedding insurance may have basic policies that only cover first party losses suffered by the insured or honoree. In those instances, optional coverage is usually available to cover losses or lawsuits involving third parties (typically wedding guests/reception attendees) who suffer bodily injury or property damage and allege that the hosts are responsible./li>

The amount of coverage you will need to carry depends on what the facility or venue where you are hosting your event requires.

Pennsylvania Wedding And Special Event Insurance - The Bottom Line

To learn more about PA wedding and special event insurance, speak to reputable broker that specializes in commercial insurance.

Pennsylvania Economic Business Outlook & Commercial Insurance Requirements

While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.

Made In Pennsylvania

If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.

Pennsylvania's Economy Now And Into The Future

In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.

The job market is expected to see steady growth in Pennsylvania during the 2021 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.

For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2021 calendar year. Other industries that are forecasted to see growth include:

  • Education
  • Healthcare
  • Manufacturing
  • Mining
  • Printing & Publishing

If you are thinking about doing business in PA, working in one of these industries will likely afford you success.

Insurance Requirements For Businesses In Pennsylvania

The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.

While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.

Additional Resources For Arts & Recreation Insurance

Read up on small business arts and recreation commercial insurance.


Arts And Recreation Insurance

Commercial insurance policies for arts, entertainment and recreation are specialized policies that protect against the unique risks that arts and recreation businesses face.

Performing artists and companies, entertainers including musical groups, theatre groups, comedians and more, writers, performers, photographers, videographers, DJ's and so many other types.

Professional liability coverage (errors and omissions) is needed in these cases to protect their financial interests due to mistakes, errors or omissions by these professionals in doing their jobs. Fr example - a bride and groom did not like the way their wedding photos turned out.

Or a wedding planner might plan a lavish wedding, but the bride's parents who are paying for it did not like the way it went. There is a lot of gray areas with arts, and you need to be protected if your clients don't agree with you that your work was what the agreed to.

If your business is involved with children, you need to review your coverages very carefully so certain important protections are not excluded. Abuse and molestation insurance might be needed to fully protect yourself in this instance.

Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.


Request a free Pennsylvania Wedding And Special Event Insurance quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other PA cities & Pennsylvania counties near me in The Keystone State.

Also find Pennsylvania insurance agents & brokers and learn about Pennsylvania small business insurance requirements for general liability, business property, commercial auto & workers compensation including PA business insurance costs. Call us (267) 296-1099.

Free Business Insurance Quote Click Here