Frequently Asked Questions

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Application Questions

Unfortunately, our program only covers events within the United States.

Our insurance policy includes host liquor at no additional cost so we do not recommend you remove the host liquor coverage because it is already built into the premium. 

If there is an invite list, use that total. If not, use your best judgment to determine the total number of people that will be in attendance. If you have a multiple day event, then you will want to use the total number of attendees.  For example, a two-day event in which you expect 100 people per day would require coverage for 200 people.

The easiest way will be to fill in the information regarding your event on our Price Quote page. The more information you have, the easier it will be to get you immediate and accurate pricing. If you have any questions, please send a message through the Contact Us page or call 888-882-5902 to speak with one of our friendly representatives.

The online purchasing option is there for your convenience. If you would prefer to secure your coverage over the phone, you can certainly do that; however, you will need to be near your email to confirm the terms and conditions of the policy and to input your payment information.

There is no limit to how many additional insureds can receive coverage on your policy but please note additional insureds must be either venue managers or a municipality.

Policy Questions

The special event liability policy can be found here: Special Event Liability Policy

The cancellation or postponement policy can be found here: Cancellation or Postponement Policy

Unfortunately, our program does not allow us to cover overnight events.  

Miscellaneous Questions

Medical Payments  is “no fault coverage” which pays the cost of an injured person’s medical expenses regardless of who is at fault. This coverage can help avoid a lawsuit because it kicks in to pay those expenses on behalf of the injured person. 

Medical Expenses (under liability coverage limits) covers you, the insured for any 3rd party medical expenses that result from your negligence.

Unfortunately, a loss, directly or indirectly, arising in any way out of an outbreak or epidemic of the Coronavirus is not covered. Remember, this policy is designed to cover against losses for any reason with the exception of a few exclusions and any events known to the insured prior to purchasing the insurance.

Host Liquor means you plan on giving away alcohol (or BYOB) at your event, you are not required to purchase a liquor license for this event and your profession does not involve selling, serving or furnishing alcohol.

Retail Liquor, on the other hand, means that a professional bartender is selling alcohol at your event or your profession involves selling, serving or furnishing alcohol. Alcohol receipts must be under $20,000.

No, vendors require their own insurance policies, separate from the event holder. They cannot be an additional insured. We suggest signing a “hold harmless” agreement with your vendors so that you are not held legally responsible for any mishaps with them. Consult with licensed attorney for advice in this regard.

The policy will be priced the same regardless of whether the event takes place inside or outside.

The state of the venue location determines the cost of coverage.

The policy insures property damage caused by fire, and would extend to performers and entertainers. 

Security guards are not required for any event nor would they be added as insureds to the policy.  If you hire a private firm to provide security guards for the event, they would need to purchase their own liability insurance.  

The Waiver of Subrogation waives the right of recovery against the venue owner in regards to damages or injuries. You do not need to add this to a policy unless required by your venue. An additional insured is another party (other than the named venue) that can receive coverage under your policy in the event of damages or injuries.

What If...

Of course. Please give us a call or write to us on the Contact Us page with a detailed description of the changes needed for your policy. All policy changes will be subject to a change in premium.

In almost all cases, premiums are fully-earned and final once purchased. If you have any questions regarding a cancellation, please contact a representative at least 1 business day prior to the scheduled start of your event.

There is no personal property coverage on the policy except in the case of Wedding events with specific endorsements included.

Event Insurance Glossary

  • Additional Insured

    A person or organization other than the Named Insured that is protected by the insurance policy in addition to the Named Insured.

  • Deductible

    An initial amount of money that must be paid by the insured before the insurer will cover the claim. Remember, our policies have ZERO deductible.

  • Endorsement

    A change to the original insurance policy. This can include the entities insured, the dates of the event, the number ofattendees, the coverage limits, etc..

  • Host Liquor Liability

    This protects you and/or your business against claims or suits that arise from the incidental selling or serving of alcoholic beverages. It is designed to cover your liability as a social host. It is not intended for bars, nightclubs, and other establishments that are in the business of selling liquor.

  • Named Insured

    A person or organization designated by name as being covered under the insurance policy. This is the host of the event or an event vendor taking out the policy.

  • Premium

    An amount to be paid for an insurance policy.

  • Replacement Cost

    The current value of an insured item in the event it were to be replaced due to loss or damage.

  • Waiver of Subrogation

    An agreement restricting the transfer of legal responsibility to a third party. Venues will often ask the named insured to obtain a waiver of subrogation, relieving the venue of legal responsibility.