Event Liability & Cancellation Insurance

Special Event Insurance helps nonprofits protect their fundraisers, galas, community events, and other gatherings with two essential coverages.

Event Liability Insurance defends against lawsuits and pays damages for bodily injury or property damage to third parties, and may also protect the venue as an Additional Insured — with unlimited Certificates of Insurance and Host Liquor Liability included.

Event Cancellation Insurance provides up to $250,000 in financial protection if your event must be cancelled or postponed due to a covered peril, including adverse weather, earthquake, flood, venue destruction, wildfire, volcanic action, and certified acts of terrorism.

We offer both coverages through specialeventInsurance.com, our dedicated event insurance website also operated by RVNA.

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One Day Event Insurance FAQs

Does my annual nonprofit policy cover one day events?

Most events are covered through an annual policy with Protect Your Nonprofit by RVNA. However, your annual policy only covers the providing of alcohol if there is no charge or money received by your group. If your group is planning an event, such as a silent auction, you can purchase liquor liability through our special event website. Protect Your Nonprofit strongly suggests that when hosting ANY event where alcohol is available, even if it’s provided directly through a bartender who is collecting the money, you should purchase special event liability insurance with liquor liability.

What is the difference between Host Liquor Liability and Liquor Liability?

Host Liquor Liability Insurance is included at no additional charge with the RVNA Special Event Liability Insurance Policy. Host Liquor Liability Insurance provides protection for an event holder against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated event guest. Host Liquor Liability coverage applies only if there is no transfer of money for alcohol or service/product packages that include alcohol. If there is any transfer of money and alcohol is served, Host Liquor Liability coverage does not apply. You would need Liquor Liability coverage to provide the proper protection.

Liquor Liability Insurance is available as an optional coverage when purchasing Special Event Liability Insurance. Liquor Liability Insurance provides coverage and defense for an event holder who receives money for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. If there is any money changing hands and alcohol is served, Liquor Liability coverage provides the proper protection.

Our nonprofit has one event per year. Can I purchase one day event insurance if I don’t have a nonprofit policy?

Yes. RVNA’s Special Event Insurance is available to nonprofits even if they don’t carry an annual policy. It’s ideal for groups hosting one-time events like fundraisers, auctions, or galas.

What coverages are available with Event Insurance?

The following optional coverages are available for all event insurance including one day and multiple day event insurance.

General Liability (Bodily Injury/Property Damage)
Damage to Premises ($3,000 Deductible)
Liquor Liability (For the sale of alcohol)
Care, Custody or Control Liability (Third Party Property Damage)
Collapse of Temporary Structure Liability
Contractual Liability
Hired and Non-Owned Auto Liability
Medical Payments
Terrorism
Waiver of Subrogation

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Event Liability Insurance

From $199

Up to $5 Million in Liability Coverage
A+ Rated Insurance
Purchase up to the night before the event

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Event Cancellation Insurance

From $150 per event

Coverage up to $250,000
Coverage in all 50 states
Covers Cancellation & Postponement costs for covered perils

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Essential Coverages for Nonprofits

General Liability from $315/yr

Liability Insurance is the most commonly purchased coverage for nonprofits, protecting your organization during fundraisers, festivals, and events. With limits up to $2 Million / $2 Million it includes bodily injury, property damage, personal injury, and product liability.

AME/AD&D from $123/yr

While Liability includes basic medical expense coverage, Accident Medical offers higher limits and broader protection for out-of-pocket costs. This coverage supplements Liability to help ensure your organization has coverage when unexpected injuries occur.

Property from $112/yr

Property Insurance protects your nonprofit’s owned property against physical damage or loss. Coverage includes office equipment, supplies, convention materials, musical instruments, and more, helping ensure your assets are covered so you can focus on your mission.

Bonding from $83/yr

Bonding protects your organization against financial losses due to fraud, theft, or embezzlement, including funds handled by officers or volunteers. This coverage is essential for groups that manage money or store cash and valuables in private homes.

D&O Liability from $89/year

D&O Liability protects officers, directors, and board members from claims of errors, omissions, wrongful acts, and mismanagement. With $1M / $1M limits, it includes protection for negligence, breach of duty, and employment practices liability.

Nonprofit Resources

Nonprofit Risk Management Guide

Designed specifically for nonprofit organizations, this downloadable guide offers practical tips and best practices to help your group reduce exposures and operate more confidently. It’s a helpful resource to share with leadership, volunteers, or anyone involved in managing your day-to-day activities. Download Nonprofit Risk Management Guide

Sample Forms

Need to review examples before you buy? You can View a sample Accident Waiver or Request A Sample Certificate of Insurance and Sample Nonprofit Insurance Policy to better understand what your organization will receive.

Need Event Insurance for a single event?

RVNA offers flexible Event Insurance for one-day or multi-day indoor and outdoor events. It’s a fast, affordable option for nonprofits that don’t need an annual policy or already have one but require specific coverage or proof of insurance for an upcoming event. Visit specialeventinsurance.com to learn more, get a quote, and purchase coverage online in minutes.

Need Assistance?

We’re here to help. Whether you need help choosing coverage, want to clarify details, or prefer to talk it through—reach out anytime. Call Us at 1-800-567-2685 Monday through Friday 5:30AM to 5:00PM Pacific Time or Request a Callback and we’ll reach out .

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