It depends on your policy. Most standard non-profit general liability policies cover regular operations and small events, but larger or non-routine events (galas with liquor service, road races, festivals, off-premises events) often need a special-event endorsement or stand-alone event coverage. Venues frequently require their own additional-insured language and minimum limits ($1M–$2M is typical). We review your event calendar and arrange coverage as part of the annual placement so you’re not scrambling for coverage two weeks before each event.