Prom Insurance

Booking a ballroom, banquet hall, or event center for prom or a school dance almost always comes with an insurance requirement: the host — a school, PTA, booster club, or parent committee — must carry event liability coverage and name the venue as additional insured.

A one-night special event policy covers the celebration itself: if a guest is injured on the dance floor, decorations damage the venue, or a vendor causes a loss, the event policy responds — instead of the claim landing on the organizers or the venue.

What the coverage typically includes

General liability for guest injuries and property damage during the dance
The venue named as additional insured (usually required by the rental contract)
Coverage for setup and teardown time, not just the event hours
Optional host liquor liability where alcohol is served (adult galas and after-parties)
A certificate of insurance you can hand the venue right away

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

Frequently asked questions

Who buys insurance for a prom?

Usually the organizing group — the school, PTA/PTO, booster club, or a parent committee — buys a one-night special event policy that covers the dance and names the venue as additional insured.

How much liability coverage do venues require for a prom?

Most venues ask for $1,000,000 per occurrence, and some require $2,000,000 aggregate. Check the rental agreement — your certificate must match the limits it lists.

Can I buy prom insurance online?

Yes. You can buy a special event policy online in minutes, add the venue as additional insured, and download the certificate of insurance immediately.