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Hosting Summer Events? Here’s What Your Event Insurance Should Cover

Summer is the perfect time to celebrate—whether it’s a backyard wedding, graduation party, corporate event, or charitable fundraiser. If you’re planning a gathering at home or at a rented venue, it’s important to consider the right protection. That’s where event insurance comes in.

🔍 Why Event Insurance Matters

Even with meticulous planning, things can go wrong. A guest could get injured, equipment could be damaged, or unexpected weather might force a cancellation. Most homeowners insurance policies don’t fully cover these types of risks—especially when alcohol is involved, staff is hired, or the event is held offsite.

Event insurance provides short-term, focused protection that gives you peace of mind leading up to and during your event.

🛡️ What Should Your Event Insurance Include?

If you’re organizing an event this summer—personal or professional—look for a policy that includes:

  • General Liability – Covers bodily injury or property damage involving guests, vendors, or the venue

  • Liquor Liability – Critical if alcohol is served or if you’re hiring a licensed bartender

  • Event Cancellation or Postponement – Reimburses non-refundable costs if the event can’t proceed due to weather, illness, or other unforeseen circumstances

  • Rented Equipment Coverage – Protects items such as tents, tables, lighting, and sound systems

  • Host Liability – Offers protection if you’re hosting the event at your private residence

💡 Tips for a Smooth & Protected Event

  • Review venue insurance requirements early

  • Request certificates of insurance from vendors and service providers

  • Verify that all alcohol servers are licensed and insured

  • Work with an experienced insurance advisor during the planning process

📞 Plan with Confidence This Summer

At The Luxury Group, we offer customized event insurance solutions designed to fit your specific needs—whether you’re planning a wedding in Spring Lake, a corporate dinner in Red Bank, or a private celebration in Long Branch. We’ll help ensure your event is covered, so you can focus on making memories.

Planning a summer event?
 Contact us today to secure the right event insurance coverage and host with confidence.

 

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