Special event insurance is liability protection for organizations, individuals, groups, bands, friends, clubs, religious entities, and companies that host activities that are not included in their General Liability Policy, and are required at or by the facility, auditorium, park, city or state authorities. These programs provide liability coverage, liquor, and legal defense for claims of negligence brought on to the party holding the Event.Why do we need this?
In today's litigious society, event organizers face potential liability suits from spectators, contractors, and customers.
Who needs it?
Any group, organization, individual, band, friend, club, and company organizing an event for One Day or longer, which may pose a liability risk, should consider this program.
Visit our website, call or e-mail us today for a free, no-obligation quote! Call us at (704) 332-5029.
ADDITIONAL INSURED - What is this?
Occasionally, someone will ask that they be added to your General Liability insurance policy as an Additional Insured, or that they be named as an Additional Insured onto your General Liability insurance policy. This usually occurs when you are performing at an event in a building or upon property, such as a school, wedding facility or community center. This school, wedding facility or community center is known as the facility.
The practice of a facility requiring that they be named as an Additional Insured on a $1,000,000 General Liability insurance policy by all persons or entities performing at the site is quite common. This insurance industry practice is a well-known and proven method of Loss Control or Risk Transfer from the standpoint and to the benefit of the facility. It is so common that the Additional Insured wording is usually contained within the insurance requirement section of the Facility Rental Agreement or Facility Use Agreement.
It is important that when you complete this form on line, that you get this Additional Insurance wording exactly correct. Otherwise, the facility will not accept the Additional Insurance Certificate you provide as proof of insurance.
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote! (704) 332-5029
The practice of a facility requiring that they be named as an Additional Insured on a $1,000,000 General Liability insurance policy by all persons or entities performing at the site is quite common. This insurance industry practice is a well-known and proven method of Loss Control or Risk Transfer from the standpoint and to the benefit of the facility. It is so common that the Additional Insured wording is usually contained within the insurance requirement section of the Facility Rental Agreement or Facility Use Agreement.
It is important that when you complete this form on line, that you get this Additional Insurance wording exactly correct. Otherwise, the facility will not accept the Additional Insurance Certificate you provide as proof of insurance.
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote! (704) 332-5029
Special Event Insurance Overview
A special event is defined as an event, such as a wedding, anniversary party, Bar Mitzvah, fair, carnival, exhibition, fundraising dinner or other event of short duration, usually lasting ten days or less.
Another type of event which would qualify as a special event but be held open for more than 10 days might be a Corn Maze, Pumpkin Patch or a Christmas Tree Lot open to the public for the sale of Christmas trees. In addition to Special Event Liability insurance, other types of special event insurance would include Event Cancellation, Hole In One and Prize Indemnification insurance.
What the rental facility will most likely require: You, the special event holder, will most likely be required to provide proof of liability insurance to the facility/venue where you have decided to hold your special event. In addition to providing proof (in the form of a piece of paper known as a Certificate of Insurance) to the facility/venue that you have secured a liability insurance policy, you may also be required to add the facility/venue to this required liability insurance policy as an insured. This is known as adding the facility/venue as an Additional Insured to this liability insurance policy which the facility/venue requires you to purchase before you will be allowed to hold your special event.
The practice of a facility/venue requiring that they be named as an Additional Insured on a General Liability insurance policy by all persons or entities renting or using the site, is quite common. It is so common, in fact, that the required Additional Insured wording or language is generally contained within the Insurance Requirement section of the Facility Rental Agreement or Facility Use Agreement.
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote! (704) 332-5029
Another type of event which would qualify as a special event but be held open for more than 10 days might be a Corn Maze, Pumpkin Patch or a Christmas Tree Lot open to the public for the sale of Christmas trees. In addition to Special Event Liability insurance, other types of special event insurance would include Event Cancellation, Hole In One and Prize Indemnification insurance.
What the rental facility will most likely require: You, the special event holder, will most likely be required to provide proof of liability insurance to the facility/venue where you have decided to hold your special event. In addition to providing proof (in the form of a piece of paper known as a Certificate of Insurance) to the facility/venue that you have secured a liability insurance policy, you may also be required to add the facility/venue to this required liability insurance policy as an insured. This is known as adding the facility/venue as an Additional Insured to this liability insurance policy which the facility/venue requires you to purchase before you will be allowed to hold your special event.
The practice of a facility/venue requiring that they be named as an Additional Insured on a General Liability insurance policy by all persons or entities renting or using the site, is quite common. It is so common, in fact, that the required Additional Insured wording or language is generally contained within the Insurance Requirement section of the Facility Rental Agreement or Facility Use Agreement.
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote! (704) 332-5029
WEDDING INSURANCE 101
Is weather covered? If the policy is purchased 14 or more days from the date of the event and adverse weather prevents the bride, groom, or for other private event types, the Honoree, or any relative whose presence at the wedding or private event is essential or, the majority of the guests from reaching the premises where the wedding, private event or reception is to take place the costs of rescheduling the event are covered. Be aware that dark skies and light rainfall alone won't qualify as reason enough to cancel your wedding.
What happens if the bride or another person crucial to the wedding gets sick and can't attend the wedding? If people crucial to the event such as the bride or groom or anyone essential to the wedding or private event are unable to attend due to sickness or injury the event is covered up to the coverage limit that you select. This also holds true if the caterer or officiant fails to appear on your wedding day.
What happens if the photographer doesn't show up? For photographs, the policy will pay, up to the coverage limit that you select and subject to a selected deductible, to retake photographs if the photographer fails to appear for any reason or, the original negatives are lost, damaged, stolen or not properly developed. This coverage will pay the round trip air or auto travel expenses incurred by the bride, the groom, or for other private event types, the Honoree, and their immediate families and attendants, to reassemble for the ceremony pictures to be retaken. It will also pay costs for meals and lodging while traveling, costs to rehire a photographer, costs to rent a premises to stage the ceremony pictures, costs to buy a new wedding cake, costs to buy new flowers, and costs to rent necessary wedding or special attire. When the covered loss or damage is to a video tape which was produced by a professional videographer, the policy will pay to have a video montage or video compilation made of the photographs and other wedding or private event memorabilia. This limit is part of the Photographs And Video coverage limit and is also subject to the deductible.
Are gifts covered if they are lost, stolen or damaged? If purchased, Gifts coverage will pay to repair or replace non-monetary gifts which are lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada.
Is any Wedding Party clothing covered if it's damaged, lost or stolen? If purchased, Special Attire coverage will pay to repair or replace the bridal gown and other special attire, including clothing and accessories bought or rented and to be worn by the bride, the groom, and their attendants at the wedding when it is lost, stolen or damaged.
What happens if I lose my Jewelry? If purchased, Jewelry coverage will pay to repair or replace owned jewelry for which you are responsible when it is lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada.
What if someone gets injured at our Rehearsal Dinner? If you select the optional Personal Liability coverage (including supplemental defense) it will cover bodily injury, personal injury or property damage caused by a covered accident which occurs during the course of a covered event such as the rehearsal, rehearsal dinner, ceremony or reception.
Does the Personal Liability include Property Damage Liability? Yes. Of special importance to you and to the event sites, liability coverage available on this policy which is not available on other liability policies would include Property Damage Liability (subject to deductible) for certain property in your care, custody or control. This very exclusive CARE, CUSTODY OR CONTROL COVERAGE includes Property Damage Liability resulting from damage to the premises which you hire as the sites where the covered events are to take place. Most, if not all homeowners insurance policies and Commercial General Liability policies specifically exclude (do not cover) Property Damage Liability to any property in your care, custody or control or, to any property which is occupied or used by you or leased or rented to you. Host Liquor Liability is included.
The Reception location is requesting a Certificate of Insurance, how do we get this? When you purchase personal liability coverage, an Additional Insured endorsement and Certificate Of Insurance will be issued at the time of purchase.
Does Personal Liability cover Medical Payments? Medical Payments coverage will pay up to the amount selected of reasonable medical expenses for each person who is injured during the covered events from a cause of loss which would be covered by the Personal Liability.
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote! (704) 332-5029
What happens if the bride or another person crucial to the wedding gets sick and can't attend the wedding? If people crucial to the event such as the bride or groom or anyone essential to the wedding or private event are unable to attend due to sickness or injury the event is covered up to the coverage limit that you select. This also holds true if the caterer or officiant fails to appear on your wedding day.
What happens if the photographer doesn't show up? For photographs, the policy will pay, up to the coverage limit that you select and subject to a selected deductible, to retake photographs if the photographer fails to appear for any reason or, the original negatives are lost, damaged, stolen or not properly developed. This coverage will pay the round trip air or auto travel expenses incurred by the bride, the groom, or for other private event types, the Honoree, and their immediate families and attendants, to reassemble for the ceremony pictures to be retaken. It will also pay costs for meals and lodging while traveling, costs to rehire a photographer, costs to rent a premises to stage the ceremony pictures, costs to buy a new wedding cake, costs to buy new flowers, and costs to rent necessary wedding or special attire. When the covered loss or damage is to a video tape which was produced by a professional videographer, the policy will pay to have a video montage or video compilation made of the photographs and other wedding or private event memorabilia. This limit is part of the Photographs And Video coverage limit and is also subject to the deductible.
Are gifts covered if they are lost, stolen or damaged? If purchased, Gifts coverage will pay to repair or replace non-monetary gifts which are lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada.
Is any Wedding Party clothing covered if it's damaged, lost or stolen? If purchased, Special Attire coverage will pay to repair or replace the bridal gown and other special attire, including clothing and accessories bought or rented and to be worn by the bride, the groom, and their attendants at the wedding when it is lost, stolen or damaged.
What happens if I lose my Jewelry? If purchased, Jewelry coverage will pay to repair or replace owned jewelry for which you are responsible when it is lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada.
What if someone gets injured at our Rehearsal Dinner? If you select the optional Personal Liability coverage (including supplemental defense) it will cover bodily injury, personal injury or property damage caused by a covered accident which occurs during the course of a covered event such as the rehearsal, rehearsal dinner, ceremony or reception.
Does the Personal Liability include Property Damage Liability? Yes. Of special importance to you and to the event sites, liability coverage available on this policy which is not available on other liability policies would include Property Damage Liability (subject to deductible) for certain property in your care, custody or control. This very exclusive CARE, CUSTODY OR CONTROL COVERAGE includes Property Damage Liability resulting from damage to the premises which you hire as the sites where the covered events are to take place. Most, if not all homeowners insurance policies and Commercial General Liability policies specifically exclude (do not cover) Property Damage Liability to any property in your care, custody or control or, to any property which is occupied or used by you or leased or rented to you. Host Liquor Liability is included.
The Reception location is requesting a Certificate of Insurance, how do we get this? When you purchase personal liability coverage, an Additional Insured endorsement and Certificate Of Insurance will be issued at the time of purchase.
Does Personal Liability cover Medical Payments? Medical Payments coverage will pay up to the amount selected of reasonable medical expenses for each person who is injured during the covered events from a cause of loss which would be covered by the Personal Liability.
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote! (704) 332-5029
Need Special Event Insurance?
Complete the quote form on our website or call or e-mail us today for a free, no-obligation quote!
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