Special Event Insurance in Florence and Columbia, SC

Slips and falls, damages to properties, failures on the parts of vendors to deliver expected goods, and consumption of alcohol by underage individuals are all risks that you face as the host of an event.  These and other risks can result in ruined events and significant costs to you of many kinds.  For this reason and others, it’s very important that you have protection, which insurance provides. At Aiken & Co. we have a complete special event insurance program, which we customize for individual clients.

We’ve insured special events in Florence and in communities throughout Eastern South Carolina for more than 100 years, and also we know how to ensure that special event hosts are fully protected and satisfied.  We work with A-rated carriers, and also we continuously provide risk management insights and content to people whom we serve and to other people.  Whether you’re hosting a wedding; holding a festival; putting on a concert; or hosting a sporting event, we’ll help you. 

Special event insurance is a lot like business insurance; many of the same coverages that are parts of business insurance policies and/or plans are parts of special event insurance policies and/or plans, and special event insurance protects against many of the risks against which business insurance protects. 

Special event insurance provides financial protection in the events that gatherings are canceled, postponed, or compromised in some way due to weather, natural disasters, or other things.  It can provide protection on ongoing bases or special event insurance can provide protection for only the durations of individual events. 

Coverages that are commonly parts of special event insurance solutions include property, special event general liability, liquor liability, and cancellation, which we offer.  We’ll help you select the right coverages, and also we’ll ensure that any policy or plan that purchase is fitting. 

The coverages from which you can choose include but are not limited to:

• Property insurance
• Special event general liability insurance
• Third-party property damage liability
• Contractual liability
• Automobile liability
• Liquor liability
• Workers compensation
• Employer’s liability insurance
• Cancellation insurance

Wedding insurance protects against the costs of circumstances that are out of wedding hosts’ control, and it reimburses for incurred expenses.  Policies for wedding insurance can help wedding hosts recover costs that are related to failures of vendors to deliver expected products and/or services and of incidents that occur at weddings. 

If wedding venues suddenly become unavailable; custom-made veils are lost; and/or limo drivers don’t show up, wedding insurance protects policy-holding wedding hosts. 

Coverages from which you can choose include but are not limited to:

• Gowns and tuxedos
• Theft or damage to gifts
• Extended coverage for honeymoon cancellation
• Professional counseling if the cancellation of the event causes severe emotional distress
• Venue
• Weather
• Attire
• Military or job transfer

Most wedding venue sites have their own liability insurance, and for this reason, many wedding hosts who hold weddings at wedding venues do not need some forms of liability insurance.  Wedding hosts who hold weddings in homes however, will likely need to purchase liability coverage. 

As a client of ours you may be able to save time and money if you take advantage of benefits and discounts for which you may be eligible.  To learn about these benefits and discounts, contact an agent. 

We know how important it is that special event hosts and special events be protected.  This is one reason among many why we furnish pre-filled questionnaires that contain anticipated questions and details to prospective clients; the questionnaires help us get information that we need in order to shop markets that are appropriate for prospective clients.  At the points that we identify the right coverages, we create proposals that provide the most comprehensive coverage at the most cost-effective premiums.

We have quick turnarounds; we never insure special events for less than $1 million; and we keep a close eye on solutions that we create.  As a result, special event hosts whom we serve quickly get information that the special event hosts need in order to select the right policies and/or plans, are completely covered, and will always have coverage that is current, and will have the most competitive rates. 

Contact us or call us today.  To start on a policy, request a quote. 

ADDITIONAL SPECIAL EVENT INSURANCE INFORMATION AND WEDDING INSURANCE INFORMATION:

• Special Event Insurance Information and Resources (The Insurance Information Institute (III))
• Special Event Insurance Details and Resources (The National Association of Insurance Commissioners (NAIC))
• Wedding Insurance Facts and Resources (The Knot)

At Aiken & Co. we’re proud to provide special event insurance in Florence, Columbia, Greenville, Myrtle Beach, Charleston, and Darlington, SC.  We also serve other areas in the state.