TXINS July E-News: Celebrate Safely with Event Liability Insurance, Ask the Agent, Agency Happenings, Texas Trivia Contest, Meet Gigi Luedecke, and More!

Celebrate Safely with

Event Liability Insurance

What Is Event Liability Insurance?

A special event can be anything from a wedding to a multi-day festival involving food and alcohol sales, amusement rides and auto races, rodeos, athletic contests and parades. Whatever your event, chances are your regular insurance program will not cover these exposures.

If you are planning a special event, check with an insurance agent to determine what coverage, if any, may be provided by your existing insurance and what additional special event insurance you will need to carry. You should obtain insurance for events well before the time it is needed, as the process to underwrite this kind of coverage can be complicated and lengthy.

Special events can involve a many different exposures, including:

  • Automobile liability
  • Liquor liability
  • Aircraft liability
  • Spectator liability
  • Products liability
  • General premises liability
  • Animal liability
  • Liability for rented or loaned property
  • Damage to owned property
  • Medical malpractice if you have a first aid station

What Does Event Liability Cost?

The cost on the policy depends on many things. In order to receive an accurate quote, it’s important to have this information available when talking with your insurance agent:

  • The nature of the event
  • The length of the event
  • The location of the event
  • A list of all activities planned
  • The number of participants expected
  • What are the provisions for crowd control?
  • Will liquor be served or sold?
  • Are there any amusement rides?
  • Are there activities that can involve injury to spectators?
  • Are vehicles or other motorized equipment involved?
  • Is food to be provided or sold?
  • Are outside vendors involved and will they provide proof of their own insurance?
  • Who is running the event and what experience have they had?
  • Are there any prior claims if the same event has been held previously?
  • What limits of liability are requested?

If you are planning to rent a facility for the event, the owner may require that you purchase special event coverage as a condition of the rental. In many cases, the owner will want to be an additional named insured on the policy.

How Do I Get an Event Liability Insurance Quote?

It can be difficult to search for event liability insurance quotes on your own. Navigating websites and calling around to agencies takes a lot of time that you might not have to spend. TXINS works with many insurance companies, not just one, so it’s easy for our agents to pull together several quotes for you to compare.

Special events come in all shapes and sizes. The one thing they share in common is the risk of injury to a person or damage to property. A properly written special event insurance policy is a must-buy item to protect your bottom line.

We Are Here for You 

Texas Insurance & Financial Services, Inc. is your trusted advocate. As an independent insurance agency, TXINS represents a wide network of A-rated insurance companies, which allows us to find the best insurance policy to fit your needs and budget. We don’t believe in cookie cutter policies and will customize a plan specifically for you. Your overall satisfaction is our top priority. That’s a promise.

TXINS offers complimentary insurance reviews to ensure you are getting the right coverage for yourself, your family, or your business. To schedule your review, contact us today at 800-541-9849 or via email. Together, we will ensure you are protecting what matters most.

Meet the TXINS TeamGigi


Gigi Luedecke has become a tremendous asset to TXINS since joining the staff in 2010. She started in the Crop Department and then joined the Personal Lines team when the Needville office opened in March 2014. Gigi is always willing to go above and beyond to make sure a customer is insured properly and is happy with the quality of service received. She has a smile so bright it probably can be seen through the phone! Gigi works hard to stay up to date with coverage information and provides A+ customer service to everyone. We are proud to call her a member of the TXINS family!

To learn more about Gigi, please click here.

The employees of TXINS are active members in our communities. Here’s a quick list of what we’ve been up to as well as what we have planned for the month.

  • Mr. Sorrel and Operations Manager Kara Wood attended the 116th Independent Insurance Agents of Texas (IIAT) Conference in San Antonio on June 3 – 5. They had the opportunity to network with various insurance carriers and agents strengthening relationships and creating new ones.
  • The Traditions Insurance team will be attending the 41st Annual Eagle Lake Field Day on June 30. Watch for our team members who will be out and about to visit with you about your crop insurance needs.
  • Congrats to our June Texas Pride Trivia Contest winners: Eileen Stoesser, Allen Shimek, and Wayne Allen. Don’t miss your chance to win a Texas flag…check out the trivia question below!
  • The agency will be closed on Friday July 3 to kickoff the July 4th holiday. We wish everyone a safe and fun-filled weekend!
The ladies of the agency hosted a bridal shower for Lindsey Farris at Greek Brothers in El Campo on June 10 to celebrate her wedding. Congrats Lindsey and Troy! We are so excited for you both!


I work for a small nonprofit organization and we want to hold a fun run to raise money for our cause. We were told by the Mayor’s Office that we needed to have event insurance in order to be permitted. What does event insurance cover? – Brittney M., Houston, TX

Dear Brittney:

Holding a fun run is a great idea! People love to support their favorite charities by lacing up their tennis shoes and running for a great cause! Purchasing event insurance is a smart move for many reasons. Most importantly, if someone gets hurt while participating in your event, event insurance can cover their medical bills. Additionally, if the event is cancelled due to bad weather, you can submit a claim to cover lost deposits. It’s a great safety net to ensure your potential losses are minimized and your ability to raise funds is maximized.

Your first step is to talk with your insurance agent to see what, if any, coverage already exists under your current commercial liability policy. That will help you determine what additional coverage you will need (based on the permitting agency’s requirements).

Standard personal or commercial policies will not cover all risks. In most cases you will find that you are better off having event liability insurance that is specifically tailored to cover your situation.

The cost of special event insurance for a one day, non-hazardous event can cost as little as a few hundred dollars. The longer the event takes place and the more activities you plan, the higher the price for insurance will rise. It takes an expert to know what information is needed and which carriers to approach for a quote. It’s important to speak with a trusted insurance agent who will give you the professional advice you need to make sure you are adequately covered.

Good luck with your fun run! We hope you raise lots of money for your cause!

Do you have a question for our agents? Email it to us! If we choose your question, we’ll send you a thank you gift! Be sure to include your mailing address and phone number in your email.

You Learn Something New Every Day

– Gas is usually cheapest on Wednesdays. Go early in the morning or late at night for the best price.

– The tomato is the world’s most popular fruit. Try these easy and delicious Tomato and Mozzarella Skewers at your next summer party.

– Chinese, English, Spanish, Arabic, and Portuguese are the five most common languages in the world. Want to extend your language base? Check out Duolingo and learn a new language for free.

– July 31 is National Mutt Day. Thinking about adding a new furry friend to your family? Check out Petfinder.org and search for the perfect mutt to add to your mix.

I Do! I Do!
Before you walk down the aisle, here are 4 things you should do to protect yourself and your wedding.1. Insure the ring immediately. You can add it to your existing renter’s or homeowner’s policy or create a new policy.

2. Combine insurance policies. You can save money by combining your home and auto policies into one.

3. Get event insurance. Protect against lost deposits, vendors that don’t deliver, or accidents that might happen during the event.

4. Insure your valuable gifts. China, silverware, goldware, and artwork are gifts that may not be covered under your standard homeowners policy. Make a list of all of your gifts to determine what items may need additional coverage.

We LOVE Referrals!

Congrats to Hollis Yackel of Wharton, TX, our June Referral Program drawing winner! Thanks for your referrals Hollis! Good luck in our end of the year drawing happening in December!

If you love Texas Insurance & Financial Services, Inc., tell a relative, friend, or co-worker about us. When they call to receive a quote make sure they let us know that you referred them.

As a thank you, you’ll receive a surprise gift and will be entered into our monthly $50 gift card drawing and our annual Grand Prize drawing for a $1,500 gift card!!!

(Grand Prize drawing will be held on December 3, 2015.)

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