When purchasing Event Host Liability Insurance, it’s important to understand the coverage limitations around event duration and attendance. Most private event types are eligible for up to 2 days of insurance coverage, with a few special exceptions, primarily weddings, that allow for up to 3 days.
Below is a breakdown of the maximum number of days and attendees allowed for each event type.
Standard Coverage: Up to 2 Days
Most events have a 2-day maximum coverage limit and allow up to 400 attendees per day.
Common Event Types with a 2-Day Limit:
Antique Show
Art Show / Arts and Crafts Festival
Baby Shower / Bridal Shower
Banquet / Baptism
Business Conference / Meeting
Birthday Party (Private): 150 max attendees
Children’s Birthday Party: 250 max attendees
Cocktail Party: 150 max attendees
Gala with Seated Dinner: 250 max attendees
Quinceañera: 250 max attendees
Debutante Ball / Beauty Pageant / Theater Production: 250 max attendees
Employee Holiday Party (Invite Only): 150 max attendees
Standard Trade Shows, Recitals, Lectures, and Seminars: 400 max attendees
Wedding-Related Events: Up to 3 Days
Weddings are the main exception to the 2-day limit and can be insured for up to 3 days, allowing full weekend coverage including rehearsal dinners and farewell brunches.
Wedding Events with 3-Day Coverage:
Wedding Ceremony – Max 500 attendees
Wedding Reception – Max 500 attendees
Rehearsal Dinner (Wedding) – Max 500 attendees
Farewell Brunch (Wedding) – Max 500 attendees
Daily Attendance Limits by Event Type
Most event types allow for up to 400 guests per day, but some events have lower caps based on their nature or formality. Be sure to review your event type’s daily max when selecting your coverage.
Lower Attendance Limit Examples:
Private Birthday or Cocktail Party – 150 attendees
Gala with Dinner, Theater Production – 250 attendees
Wedding Events – Up to 500 attendees
Summary
Event Type | Max Days | Max Daily Attendance |
Most Private Events | 2 | Up to 400 |
Birthday/Cocktail Parties | 2 | 150–250 |
Wedding Events | 3 | Up to 500 |
Need Help?
Please contact ViCoverage support if you have any questions about your quote or policy.