Rhode Island Wedding And Special Event Insurance

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Rhode Island Wedding And Special Event Insurance Policy Information

RI Wedding And Special Event Insurance

Rhode Island 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 Rhode Island 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.

Rhode Island 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, Rhode Island 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 RI 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 Rhode Island 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.

Rhode Island Wedding And Special Event Insurance - The Bottom Line

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

Rhode Island Economic Data, Regulations And Limits On Commercial Insurance

Made In Rhode Island

If you are considering starting a business, it's important that you choose the right location for your operation. Ensuring that the area offers the right market and demographics that will benefit from and be interest in the goods and/or products that your business intends on providing are vital for your success.

If you are thinking about starting a new company in Rhode Island or would like to expand the operations of an existing company into the state, it's crucial that you ensure the state offers a healthy climate that will allow your business to reap as much success as possible.

By assessing the employment rate of a state, as well as the key business sectors that are thriving there, you can determine if Rhode Island is a practical location for your company. Additionally, to ensure that you are in compliance with the law, it's imperative that you are aware of the commercial insurance coverage that business owners are required to carry in the state.

Below, we offer an overview of the economic trends and commercial insurance requirements in the Plantation State so you can determine if it will be a good location for your business.

Economic Trends For Business Owners In Rhode Island

As of December, 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Rhode Island was 3.5%, which was on-par with the national average, which was also 3.5% at the same time.

Economists credit favorable taxes, the close proximity to regional markets, and the diverse workforce for the state's health economy.

In regard to locations within the state that offer the best opportunities in the Ocean State, urban areas are ideal. This includes:

  • Cranston
  • Newport
  • Pawtucket
  • Providence
  • Warwick

The suburban regions that surround the state's metropolitan areas also offer favorable conditions for businesses.

Businesses of varying sizes and in a variety of industries are thriving in RI. At the time of writing, the sectors that are seeing the most activity in Rhode Island include:

  • Construction
  • Education
  • Entertainment
  • Financial services
  • Government
  • Health care
  • Hospitality and tourism
  • Information
  • Manufacturing
  • Professional services
  • Retail
  • Transportation
  • Wholesalers
Commercial Insurance Requirements In Rhode Island

The Rhode Island Division of Insurance Regulation regulates insurance in RI. Rhode Island mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Rhode Island requires you to have worker's compensation insurance if you have four or more employees on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Rhode Island also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

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 Rhode Island Wedding And Special Event Insurance quote in Barrington, Bristol, Burrillville, Central Falls, Charlestown, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Foster, Glocester, Hopkinton, Jamestown, Johnston, Lincoln, Little Compton, Middletown, Narragansett, New Shoreham, Newport, North Kingstown, North Providence, North Smithfield, Pawtucket, Portsmouth, Providence, Richmond, Scituate, Smithfield, South Kingstown, Tiverton, Warren, Warwick, West Greenwich, West Warwick, Westerly, Woonsocket and all other cities near me in RI - The Ocean State.

Also find Rhode Islan insurance agents & brokers and learn about Rhode Island small business insurance requirements for general liability, business property, commercial auto & workers compensation including RI business insurance costs. Call us (401) 371-8771.

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