Make Memories, We’ll Handle the Risks

From weddings to corporate functions, IDR Event Insurance safeguards your special occasion against unexpected disruptions and financial losses.

Why Event Insurance Matters

Planning an event—whether it’s a wedding, concert, birthday celebration, or corporate gala—takes months of preparation and a significant investment. Yet, even the best-laid plans can face unexpected setbacks. A guest could get injured, a key vendor might cancel last minute, or bad weather could force you to postpone or call off the event. Without proper coverage, you could end up shouldering the financial loss on your own.

Many venues today require proof of event liability insurance before confirming your booking. With IDR Event Insurance, you get peace of mind knowing you’re protected if the unexpected happens—so you can focus on celebrating, not stressing.

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Event Insurance Coverage Options

From sudden rain showers to unexpected mishaps on the dance floor—IDR Event Insurance helps protect your guests, your venue, and your budget with coverage designed for real-life events.

General Liability

Covers bodily injury and property damage to guests or third parties—IDR Event Insurance keeps you protected if accidents happen.

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General Liability

Covers bodily injury and property damage to guests or third parties—IDR Event Insurance keeps you protected if accidents happen.

Protects against slips, trips, and accidental damage caused during your event.
Many venues require this coverage—IDR Event Insurance lets you easily add them as an Additional Insured.

Event Cancellation/Postponement

Reimburses your non-refundable expenses if your event is canceled, postponed, or interrupted—IDR Event Insurance helps you recover your costs when plans change unexpectedly.

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Event Cancellation/Postponement

Reimburses your non-refundable expenses if your event is canceled, postponed, or interrupted—IDR Event Insurance helps you recover your costs when plans change unexpectedly.

Provides coverage for severe weather, venue closures, and key vendor no-shows (as covered under your policy).
With IDR Event Insurance, you can also add protection for lost revenue on ticketed events.

Liquor Liability

Provides liability protection when alcohol is served—IDR Event Insurance helps safeguard you from alcohol-related incidents or claims.

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Liquor Liability

Provides liability protection when alcohol is served—IDR Event Insurance helps safeguard you from alcohol-related incidents or claims.

Includes Host Liquor Liability for BYO or complimentary alcohol service, and Retail Liquor Liability for alcohol sales.
Many venues and caterers require this coverage when alcohol is served—IDR Event Insurance makes it easy to stay compliant and protected.

Participant Accident/Medical

Covers medical expenses for guests, volunteers, or participants injured during your event—IDR Event Insurance ensures care and coverage when accidents happen.

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Participant Accident/Medical

Covers medical expenses for guests, volunteers, or participants injured during your event—IDR Event Insurance ensures care and coverage when accidents happen.

Covers medical expenses up to your policy limit, regardless of who’s at fault—ideal for festivals, races, and youth events with IDR Event Insurance.

Damage to Rented Premises

Safeguards the venue you’re renting against damage or accidents—IDR Event Insurance protects both your space and your investment.

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Damage to Rented Premises

Safeguards the venue you’re renting against damage or accidents—IDR Event Insurance protects both your space and your investment.

Often referred to as “Fire Legal Liability.”
Covers accidental damage to the venue you’re renting.
Ensures your rental space is protected under IDR Event Insurance.

Equipment & Rented Gear

Protects your event equipment, including sound, lighting, staging, tents, and A/V—IDR Event Insurance keeps your setup covered from unexpected damage or loss.

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Equipment & Rented Gear

Protects your event equipment, including sound, lighting, staging, tents, and A/V—IDR Event Insurance keeps your setup covered from unexpected damage or loss.

Covers both owned and rented equipment on-site and in transit (as specified in your policy).
With IDR Event Insurance, you can choose valuation options, including replacement cost or actual cash value, for full protection.

Weather Insurance

Provides coverage for rain or severe weather, protecting your outdoor events from unexpected cancellations or damage—IDR Event Insurance keeps your plans secure.

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Weather Insurance

Provides coverage for rain or severe weather, protecting your outdoor events from unexpected cancellations or damage—IDR Event Insurance keeps your plans secure.

Offers parametric or specified-peril coverage to protect your event.
IDR Event Insurance can help offset lost revenue or additional expenses caused by unforeseen weather or disruptions.

Vendors & Third-Party Property

Covers you when you’re liable for damage to someone else’s property—IDR Event Insurance helps protect your finances and reputation.

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Vendors & Third-Party Property

Covers you when you’re liable for damage to someone else’s property—IDR Event Insurance helps protect your finances and reputation.

Covers damage to borrowed or rented items while in your care.
Can include vendor booths, exhibits, and other event setups.
Part of comprehensive protection with IDR Event Insurance.

Hired & Non‑Owned Auto

Covers liability for errands, deliveries, and rentals related to your event—IDR Event Insurance ensures protection beyond the main venue.

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Hired & Non‑Owned Auto

Covers liability for errands, deliveries, and rentals related to your event—IDR Event Insurance ensures protection beyond the main venue.

Covers vehicles rented or used by employees for event-related tasks.
IDR Event Insurance supplements your coverage but is not a replacement for a full commercial auto policy.

Certificates & Additional Insureds

Quickly obtain Certificates of Insurance (COIs) to meet venue and vendor requirements—IDR Event Insurance makes compliance simple and hassle-free.

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Certificates & Additional Insureds

Quickly obtain Certificates of Insurance (COIs) to meet venue and vendor requirements—IDR Event Insurance makes compliance simple and hassle-free.

Issue unlimited Certificates of Insurance (COIs) for venues and key partners.
Optional waivers of subrogation and primary/non‑contributory wording available where required.
IDR Event Insurance ensures your coverage meets all contractual obligations.

Who Needs Event Insurance

If you’re hosting guests, renting a venue, serving food, selling tickets, or working with vendors—you need IDR Event Insurance to protect your event and investment.

Weddings & Receptions

Protects your event from venue damage, last-minute cancellations, liquor liability, and vendor no-shows—IDR Event Insurance keeps your plans secure.

Private Parties

Covers birthdays, anniversaries, reunions, and other personal events—IDR Event Insurance protects hosts from property damage and guest injuries.

Concerts & Performances

Designed for promoters, artists, and venues—IDR Event Insurance provides coverage for crowd injuries, equipment damage, and event cancellations due to rain or other unforeseen issues.

Corporate Events

Covers offsites, conferences, and product launches—IDR Event Insurance protects against general liability, rented space damage, and event cancellations.

Festivals & Fairs

Protects street fairs, food festivals, and markets—IDR Event Insurance covers multi-vendor events with large crowds and complex risks.

Nonprofits & Fundraisers

Covers galas, auctions, and charity runs—IDR Event Insurance protects organizers, volunteers, and ensures a safe experience for all attendees and donors.

Sports & Recreation

Covers tournaments, races, and leagues—IDR Event Insurance protects against spectator and participant injuries, as well as weather-related risks.

Schools & Universities

Covers graduations, dances, and field days—IDR Event Insurance provides temporary protection without affecting your existing annual policies.

Not sure if your event type is covered?

Event Insurance Made Simple

Safeguard your special event from the unexpected—whether it’s a wedding, concert, festival, or corporate gathering.

IDR Event Insurance Offers:

  • Venue Liability Coverage – Protects your rented space from accidental damage.

  • Weather & Cancellation Protection – Covers unforeseen cancellations, severe weather, and vendor no-shows.

  • Peace of Mind for Organizers – Focus on your event while we handle the risks.

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Expert Guidance Whenever You Need It

Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.

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Real Client Feedback

Trusted by customers worldwide for dependable service and exceptional results.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

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“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

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“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

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“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”

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Frequently Asked Questions

IDR Event Insurance typically covers property damage, bodily injury liability, event cancellation, and, when included, liquor liability—depending on your chosen policy.

Exactly—venue insurance protects the location, not you. IDR Event Insurance ensures you’re covered for accidents, cancellations, and guest-related incidents, so you won’t be left footing the bill.

The sooner, the better. IDR Event Insurance policies can typically be purchased up to a year in advance, with coverage recommended at least 2–3 weeks before your event.

Many IDR Event Insurance policies include weather-related cancellation coverage—typically for severe conditions. Always review your policy details to understand exactly what’s covered.

Some IDR Event Insurance policies include liquor liability, but not all. If alcohol will be served, you’ll likely need to add it as an endorsement to ensure proper coverage.

Talk to a Real Agent

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

Call: (636) 556-5555, (314) 499-8888

Mail: support@idrinsurance.com

Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005

Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368