Special Events insurance is liability protection for organizations that host activities that are not included in a business’s current insurance policy. It is good to check with you agent and see if special event insurance is needed or not. In that case it is not covered; the organization that is hosting the event may need to purchase Special Events coverage, if they do not already have a policy that covers the event. The most important thing in planning an event or having an event, Is to know if that if something were to happen it is covered.