Event Insurance in Colorado

We provide event insurance solutions to businesses in Colorado and beyond.

Event Insurance Colorado

Event Insurance at The DeLuca Agency and Denver Insurance Brokerage Inc

What is event insurance?

Putting on an event comes with certain risks, and it’s important to protect against those risks. Event insurance can give organizations hosting events in Colorado many of the protections they need.

Event insurance is a specialized type of policy for event organizers and sponsors. Policies may insure public or private events lasting anywhere from one day to several weeks.

What events taking place in Colorado need to be insured?

Most organizers hosting notable events should consider insurance. Not insuring an event that’s taking place in Colorado can result in devastating losses if something happens.

Businesses, nonprofit organizations, and even individuals might purchase these policies for many different events that they’re hosting. Policies are generally available for:

  • Public festivals
  • Company parties
  • Grand openings
  • Fundraisers
  • Seminars
  • Larger private gatherings
  • Many other events

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Client Testimonials

The words of our loyal customers…

“I became a client of the DeLuca Agency when it bought my previous insurance agency. Fortunately, Caula Campbell-Frazier transferred with the company. She has been a delight to work with–always responds quickly, thoroughly and with a real desire to answer questions or assist you. I can’t say enough good things about her. You will not be disappointed.”
M R Johnson
“I worked with Caula Campbell to renew my homeowners insurance, she was able to help me by pointing out a gap in my coverage and still was able to lower my premiums. I am enjoying my lower mortgage as a result of the lower escrow. Highly recommend.”
K. Davis
“The agency did a great job on finding better rates for me. The staff is very professional and resourceful. Thanks!”
R. Guitron
Spoke with Gloria and she was very knowledge about my insurance needs. She guided me to consider options that are well within my budget and would greatly help my family when needed.
R. Brunet, Google Review
Spoke with Gloria and she was very knowledgeable about my insurance needs. She guided me to consider options that are well within my budget and would greatly help my family when needed.
Had a great experience with the DeLuca Agency. We quoted with them one year and decided not to move forward because life got busy. But we decided to try again the next year and we were welcomed back without judgment for not having moved forward previously. The agent (Paige Brown) was very professional and extremely knowledgeable about the various companies, coverage, etc. They are able to cater to high end clients and it shows with their knowledge, thoroughness, and expertise. She spent a good amount of time answering our complex questions and informed us about things we never knew before that go deeper into insurance coverage. They have a nice range of products as well and seem to do what’s best for your unique situation.
Lyn C., Google Review
Paige with The DeLuca Agency was a great help when I needed insurance recently. Highly recommend.
B. Maki, Google Review
I have worked with the DeLuca Agency since moving to CO in 2019. Danielle Duffy is amazing and has always helped me out with any and everything I have needed. She goes above and beyond every single time I contact her. Beyond that, she is just an overall pleasant person!
Matthew D., Google Review
We have been insured through The DeLuca Agency for over 2 years and find their customer service highly responsive. The Staff is extremely professional and knowledgeable. I highly recommend this agency for any of your insurance needs.
J. Anderson, Google Review
Event Insurance Colorado
Event Insurance Colorado

What protections do event policies come with?

  • General Liability Coverage: Usually for everyday accidents occurring during an event, including pre-event setup and post-event takedown. This could include incidents like slipping on ice, tripping on an extension cord, falling off a stage, or similar accidents. Most policies also cover property damage in these situations.
  • Product Liability Coverage: Usually for injuries or property damages caused by products that are distributed or sold at the event. These could be foods, drinks, prizes, sold goods, free swag, or other products.
  • Spectator Liability Coverage: Usually for injuries sustained by attendees while watching activities at the event. Coverage might apply to spectators watching any number of events, such as athletic competitions, live concerts, performances, airshows, or other happenings.
  • Liquor Liability Coverage: Usually needed if alcohol is being served at an event. May cover incidents, including accidents, fights, assaults, and alcohol poisonings, that involve at least one over-intoxicated attendee.
  • Automobile Liability Coverage: Usually needed if vehicles are used at the event. May be needed to insure shuttles or buses, security vehicles, and delivery vans and trucks. 
  • Medical Malpractice Coverage: Usually for errors made by medical staff who are hired to work the event. May be used to insure EMTs, paramedics, nurses, or physicians who provide care.

For specific activities like events with live animals or airshows, highly specialized protections are often recommended. An insurance agent who knows event policies well can assist with finding such coverages if they’re needed.

When should private gatherings be insured with event coverage?

While small, casual gatherings like birthday parties may not require event insurance, larger private events like weddings, milestone birthdays, large baby showers, or graduation parties might warrant coverage. These can bring significantly more risk, as there are more guests who attend.

An insurance agent who understands event policies can help you evaluate the risks associated with hosting larger gatherings, and then determine whether you should get coverage for your gathering. The agent can also assist with finding an affordable policy should you decide to get one.

Event Insurance Colorado

What does ‘additional insureds’ mean in event policies?

An ‘additional insured’ is a party that’s added to the event insurance policy. Being added normally allows the party to file a claim against the policy, even though they aren’t the actual policyholder. Event organizers may need to add venues, major vendors, or others as additional insureds. This is something that a knowledgeable agent can assist with.

How affordable is one-day event insurance?

The cost of one-day event insurance is generally quite reasonable, although it varies based on the type of event and associated risks. An independent insurance agent can check what different insurers would charge to cover a specific one-day event.

Where can organizers of events in Colorado get event insurance?

If you’re involved with an event that’ll take place in Colorado, contact the independent insurance agents at The DeLuca Agency. Our agents will walk you through the event insurance options that are available, and help you choose the one that’ll best cover your event. Together, we can make sure you’re well-protected throughout the entire event, and also during any setup or take-down period.

Get in touch with our team!

DeLuca Agency

For questions or concerns, please contact our independent insurance agents.

CO Office
6021 S Syracuse Way Ste 207 Greenwood Village, CO 80111
Phone: 720.484.3732

MD Office
500 Redland CT Ste 106 Owings Mills, MD 21117
Phone: 410.521.6500

UT Office
13894 Bangerter Pkwy Ste 200 Draper, UT 84020
Phone: 810.639.0078

Email: steve@delucaagency.com