Frequently Asked Questions

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Application Questions

If your event qualifies for general liability with host liquor,  we would not remove host liquor as it is 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. Vendors will often have to secure their own coverage separately.

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.

Policy Questions

The following causes of damage are excluded: fungi/bacteria, nuclear energy, hazmat, assault/battery, animals, and weapons. Select concerts and performers/entertainers are also excluded including rap, hip-hop and heavy metal genres. Certain coverage can be added with an additional premium such as terrorism coverage. If you are concerned about any other causes of damage that may or may not be covered, please reach out to us.

Overnight events can be included in the coverage by adding a second day on the policy.

Miscellaneous Questions

Host Liquor means you plan on giving away alcohol (or BYOB) at your 1 day event with 500 or less attendees. You are not required to purchase a liquor license for this event and your profession does not involve selling, serving or furnishing alcohol. Alcohol may be sold at weddings by a caterer or professional bartender.

Retail Liquor, on the other hand, means that a professional bartender is selling alcohol at your event or you are giving away alcohol (or BYOB) for an event that is: multi-day, more than 500 attendees or your profession involves selling, serving or furnishing alcohol.

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.

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.

Yes, you will be covered if an entertainer or performer at your event causes damage.

Security guards are not required for any event nor would they be added 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 in order to be covered.  

The Waiver of Subrogation waives any fault of the venue 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 at the event (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.

Yes, the property coverage in your policy does include stolen or lost items.  An investigation of the stolen property would be handled by Claims and would require physical evidence (video, receipts, etc.) proving ownership, the presence of the items at the event, and loss without consent.

Event Liability Glossary

  • Additional Insured

    A person or organization that has the same benefits as protected by the insurance policy, in addition to those who originally purchased the coverage.

  • Deductible

    An initial amount of money that must be paid by the insured before the insurer will cover the claim.

  • Endorsement

    A change to the original insurance policy. This can include the entities insured, the dates, the number of people, the coverage limit, etc.

  • Host Liquor Liability

    Coverage associated with losses due to the serving or consumption of alcohol. The person involved must not be involved in the alcohol business.

  • Named Insured

    A person or organization designated by name as being covered under the insurance policy. Usually the host of the event.

  • Premium

    An amount to be paid for an insurance policy.

  • Replacement Cost

    The current worth of an insured item in case it were to be replaced due to 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