FAQs
Who should be listed as an additional insured?
Common Additional Insureds include the owner, landlord, manager, or tenant of a venue.
Do vendors need insurance as well as event organizers?
Yes. An event organizer’s insurance typically won’t cover a vendor’s liability. For example, if a caterer damages the venue’s property and has no insurance, the event organizer may be responsible for covering the cost or taking legal action.
What if an intoxicated guest causes an accident after the event?
Laws vary by state, but in general, the driver’s auto insurance would be primary. If you're sued, your policy’s auto exclusion will apply, but the insurer may still provide a defense, depending on the situation and state laws.
Is there a deductible on the policy?
Ask your insurance advisor as deductibles vary per carrier and type of coverage. Most base policies have a $1,000 deductible, but there are many options for $500 or $0 deductibles as well. A $0 deductible is recommended for venue partners to avoid clients bearing high costs for small property damage claims.
Do you offer cancellation coverage?
Yes, we offer cancellation coverage for weddings, which can be added to general liability coverage.
What’s the difference between Host Liquor and Retail Liquor Liability?
Host Liquor Liability covers alcohol at events not for sale, whereas Retail Liquor Liability applies when alcohol is being sold or served professionally.
What isn’t covered by Event Liability Insurance?
Exclusions include:
Amusement devices, animals, assault, autos, aircraft, watercraft, fireworks, criminal acts, cannabis, and pre-existing conditions.
Injuries to the insured, compensated individuals, employees, performers, and volunteers.
How do I sign up?
Submit our form on previous page and we will review and compare all options with over 15 carriers and provide the best option available. Different events have different rates depending on the carrier…we always recocmend reviewing all options.
