Luncheon, Banquet & Dinner Insurance

Whether it's a company luncheon, an awards banquet, a fundraiser dinner, or a rehearsal dinner, the hall or restaurant private-room you book will usually require proof of liability insurance — with the venue named as additional insured — before the event date.

A special event policy covers the gathering itself: a guest slip-and-fall, damage to the venue's property, and (optionally) host liquor liability when wine or cocktails are served. Buy it once for the event, send the certificate, and you're cleared to host.

What the coverage typically includes

• General liability for guest injuries and property damage during the function
• The banquet hall, hotel, or restaurant named as additional insured
• Coverage that spans setup, the event itself, and cleanup
• Optional host liquor liability for served or hosted-bar alcohol
• An instant certificate of insurance for the venue's file

New to certificates? See what a certificate of insurance is and what additional insured means.

Frequently asked questions