Protect your event, protect your peace of mind.

Fast, affordable coverage for weddings, fundraisers, concerts, golf outings, and more—all with local support you can trust.



Special Event Insurance provides essential protection for the gatherings that matter most. At The Lapeer Agency, we help clients across Michigan secure policies that fit their unique events and budgets. With nearly a century of experience and access to multiple carriers, we deliver tailored solutions—not cookie-cutter options. Whether you’re planning a wedding, organizing a fundraiser, or hosting a community festival, our local agents make the process simple, informed, and stress-free. We take the time to explain coverage details, answer your questions, and recommend options that ensure your event is safe and supported from start to finish. Let us help you enjoy your special day with confidence.

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What This Insurance Can Cover

Special Event Insurance includes several layers of protection designed to safeguard both organizers and participants. Here are the key areas a strong policy should cover:

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Event Liability Coverage

Protects you if someone is injured at your event or if property damage occurs. Many venues require this coverage before you can book.

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Property Damage

Covers accidental damage to the venue or rented equipment like tents, sound systems, or décor.

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Cancellation or Postponement

Reimburses you for lost deposits and expenses if your event is unexpectedly canceled or delayed due to circumstances beyond your control.

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Liquor Liability (Optional)

If you’re serving alcohol, this protects you in case of alcohol-related incidents at your event.

Frequently Asked Questions

Here are a few of the most common Special Event Insurance questions we hear from Michigan clients.

  • Does Special Event Insurance cover bad weather?

    Yes. If severe weather forces you to cancel or postpone, coverage may reimburse deposits and expenses, depending on your policy.

  • Can I get coverage just for one day?

    Absolutely. Special Event Insurance can be purchased for a single day or multiple days, depending on your event’s needs.

  • Is liquor liability included automatically?

    No, it’s an optional add-on. If your event involves alcohol, we recommend including it to ensure complete protection.

  • How quickly can I get covered?

    In minutes. With our online system, you can quote, bind, and receive proof of coverage instantly.

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