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Which coverage do I actually need?

Side-by-side breakdown of every product we offer: what it protects, who buys it, common claim triggers, starting prices, and the combinations real organizers use together.

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Five products, at a glance

Pricing reflects market minimums and varies based on underwriting review and event-specific factors. All event policies carry a $0 deductible on General Liability.

Special Event Liability

Third-party bodily injury and property damage at your event. Meets venue COI (Certificate of Insurance) requirements.

Who buys it
Anyone hosting an event with guests, especially when a venue requires proof of insurance.
Common use cases
  • · Wedding receptions and ceremonies
  • · Corporate offsites and conferences
  • · Festivals, fairs, and community events
  • · Nonprofit galas and fundraisers
Typical triggers
  • · Guest slip-and-fall claim
  • · Damage to the rented venue
  • · Spilled drink ruins equipment
Starting price
From $250
Common combinations
Weather Insurance, Event Cancellation, Liquor Liability
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Weather Insurance

Financial loss when a defined weather event (rain, wind, temperature, snow) impacts your event on a specific date.

Who buys it
Outdoor and weather-dependent event organizers who can quantify the financial impact of bad weather.
Common use cases
  • · Outdoor weddings and festivals
  • · Golf tournaments and 5Ks
  • · County fairs and farmers' markets
  • · Ticketed concerts and food fests
Typical triggers
  • · Rain exceeds threshold on event day
  • · Sustained wind cancels outdoor program
  • · Heat or cold above/below a defined limit
Starting price
From $300
Common combinations
Special Event Liability, Event Cancellation
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Event Cancellation

Non-refundable costs and lost revenue if your event is cancelled, postponed, abandoned, or relocated due to a covered cause.

Who buys it
Organizers with significant deposits, ticket revenue, or vendor commitments at risk.
Common use cases
  • · Multi-day festivals and conferences
  • · Headline concerts and tours
  • · Trade shows and conventions
  • · Large corporate brand events
Typical triggers
  • · Venue becomes unusable
  • · Key speaker or performer cancellation (named-peril)
  • · Government order or named-peril shutdown
Starting price
From $300
Common combinations
Special Event Liability, Weather Insurance
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Prize Indemnity

The cost of paying out a large advertised prize if a contestant actually wins.

Who buys it
Sponsors and organizers running hole-in-one, half-court shot, sweepstakes, or jackpot promotions.
Common use cases
  • · Hole-in-one charity tournaments
  • · Half-court basketball promotions
  • · Sweepstakes and grand-prize giveaways
  • · Putt-off or kick-off contests
Typical triggers
  • · A contestant completes the prize-winning feat
  • · Verified winner of an insured sweepstakes
Starting price
From $499
Common combinations
Special Event Liability
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Vendor Liability Program

Per-vendor General Liability for trade-show, expo, and convention exhibitors. Each vendor is the named insured on their own policy.

Who buys it
Trade-show, expo, convention, bridal-show, and vendor-fair organizers who need every exhibitor on their own GL policy.
Common use cases
  • · Trade shows and expos
  • · Conventions and conferences
  • · Bridal shows and gift shows
  • · Comic cons and vendor fairs
Typical triggers
  • · Booth visitor injury
  • · Product or display damages the venue
  • · Vendor activity damages another exhibitor's property
Starting price
Vendor coverage as low as $100 per vendor (varies by vendor count, event location, and event type)
Common combinations
Special Event Liability (for the organizer)
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Recommended coverage scenarios

What organizers usually buy, by event type

These are starting points based on the events we protect every day. Sofi will refine the recommendation based on your specific attendance, venue, alcohol plans, and activities.

  • Wedding

    • Special Event Liability
    • Liquor Liability (if bar)
    • Event Cancellation

    Most venues require liability. Liquor Liability is essential if alcohol is served by named hosts. Cancellation protects non-refundable deposits.

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  • Music Festival

    • Special Event Liability
    • Weather Insurance
    • Event Cancellation

    Outdoor risk, large crowd, and significant production deposits. Weather + cancellation work together to protect revenue and costs.

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  • Marathon / 5K

    • Special Event Liability
    • Weather Insurance
    • Accident Medical

    Athletic events need GL plus weather coverage for race-day conditions. Accident Medical protects participants from minor injuries.

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  • Corporate Event

    • Special Event Liability
    • Event Cancellation

    Corporate venues require COIs. Cancellation protects keynote, AV, and venue deposits if the event must be postponed.

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  • County Fair

    • Special Event Liability
    • Weather Insurance
    • Vendor Liability Program

    Multi-day outdoor with weather exposure, alcohol, and many small exhibitors. The Vendor Liability Program puts every booth on its own GL policy.

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  • Golf Tournament

    • Special Event Liability
    • Prize Indemnity
    • Weather Insurance

    Standard tournament liability plus Prize Indemnity for hole-in-one or putting contests. Weather coverage if you can't reschedule.

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  • Fundraiser / Gala

    • Special Event Liability
    • Liquor Liability
    • Event Cancellation

    Venue COI plus liquor exposure when serving guests. Cancellation protects auction prizes, catering, and venue deposits.

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By the numbers

Years protecting events
15+

Founded in 2011

States served
50

Licensed in every state

Still not sure which coverage fits?

Tell Sofi about your event, or start an application and we'll guide you to the right protection stack.

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