You've spent months picking the perfect flowers, tasting five different types of cake, and debating whether a DJ or a live band is better for the vibe. But have you thought about what happens if the venue floods or your lead singer falls ill?
Hosting an event is a huge investment, not just of money, but of your time and heart. That's where event insurance comes in. Think of it as your "Plan B" that keeps the party going (or at least keeps your bank account from crashing) when life throws a curveball.
In simple terms, event insurance is a safety net for your special occasion. It generally covers two main areas:
Most people think, "It won't happen to me." But the truth is, the unpredictable is... well, unpredictable. Here are three reasons why this is a non-negotiable part of your planning checklist:
Check your contract. Most professional venues won't even let you through the door without a Certificate of Insurance (COI). They want to know that if a guest spills red wine on a vintage rug or a DJ blows a fuse, you've got it covered.
Imagine your caterer disappears with your deposit two weeks before the wedding. Event insurance can help you recoup those costs and potentially find a last-minute replacement so your guests don't go hungry.
At any party involving music, dancing, or a little liquid courage, accidents happen. Liability coverage protects you from massive medical bills if a guest takes a tumble on the dance floor.
Q: I've heard real stories about people losing money on weddings. Does insurance actually pay out?
A: Yes! We've seen cases where cancellation coverage saved couples from losing $20,000 when a hurricane forced their destination wedding to move. Another client had their $5,000 photographer deposit reimbursed when the photographer went out of business unexpectedly. It's not just a piece of paper, it's a financial shield.
Q: My homeowners' insurance says I'm covered. Is that enough?
A: Usually, no. Homeowners policies have very low limits for "off-premises" events and often exclude liquor liability or professional vendor failures. A dedicated event policy is much more robust and specifically designed for these risks.
Q: How do I know which policy is right for my event?
A: This is where we come in. At Majda's Touch Insurance®️, we act as your personal partner. We have access to over 300 carriers, meaning we can shop around to find the best price and the exact coverage you need. We don't believe in "one-size-fits-all."
Q: How can I get help or a quote right now?
A: We make it easy for you. Whether you're planning a wedding, a corporate gala, or a milestone birthday, we'll guide you through the "what-ifs." Click here to reach out to get a price shop and let us help you protect your next big moment.
Here's something I've been seeing a lot lately, and it's not about weddings.
Real estate deals are falling apart in escrow because buyers can't get homeowners' insurance. State Farm just non-renewed thousands of policies in California. Carriers are pulling out. The FAIR Plan is overwhelmed. And agents are losing transactions not because of financing or inspections, but because nobody saw the insurance problem coming.
If you're in real estate or you know someone who is, I'll be speaking at a free workshop to help agents understand what's actually happening and how to keep deals from dying at the finish line.
📅 Monday, January 12th, 2025
🕑 2:00 PM – 4:00 PM PST
📍 700 N Central Ave, Suite 320, Glendale, CA 91203
💰 FREE
I'll be walking through the California insurance crisis, how to spot red flags before they blow up a deal, what to tell clients when they get a non-renewal notice, and how to work with insurance professionals so you're not Googling at 10 pm trying to save a closing.
This isn't a pitch session. It's two hours of real information you can actually use.
Space is limited. If you're coming, grab your spot now.
