When do people need event coverage for a private gathering?
A policy normally isn’t needed for a typical birthday party or small get-together. If hosting a wedding, anniversary party, graduation party, large milestone birthday party, baby shower or other major event with lots of people, however, a policy might be recommended.
This shouldn’t be taken as a hard rule, but it might be wise to touch base with a knowledgeable insurance agent for any event that you’re hiring a professional caterer for. An agent who specializes in event policies will be able to help you quickly determine whether your planned festivities call for an event policy.
When an event policy is needed for a large private gathering, one-day event insurance may provide especially affordable coverage.