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Special Event Insurance

Frequently Asked Questions

General Questions

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What does event liability insurance cover?

Category: General Questions

Special Event Liability Insurance is an insurance policy designed to provide broad protection for situations in which an event holder or concessionaire must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. Host liquor liability is included if there is no transfer of money for alcohol. This policy also gives protection to the venue and or sponsors of the event by adding them to the policy as an additional insured. Examples, such as a slip and fall or damage to a venue are covered by this type of policy. Exclusions do apply.

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What types of events are covered?

Category: General Questions
  • Social Life Events
  • Sports Events/Competitions
  • Musical Events/Other Entertainment
  • Trade Show/Business Events
  • Educational Events
  • Fairs & Festivals

View the full list of events we can insure here: https://cphins.com/event-types/

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What is Host Liquor Liability Insurance?

Category: General Questions

Liability for bodily injury (BI) or property damage (PD) arising out of the serving or distribution of alcoholic beverages by a party not engaged in this activity as a business enterprise. Host liquor liability exposures are insurable under standard general liability policies. Our liability policy only excludes liquor liability coverage if the named insured on the policy is “in the business” of manufacturing, selling or distributing alcoholic beverages.

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How far in advance should I purchase my policy?

Category: General Questions

Our quotation is good for 30 days however a Special Event Liability Event Policy must be purchased at least 24 hours before your event. As soon as you’ve selected a date and started putting down deposits, you can apply for an event policy. With our easy online application you’ll have your proof of coverage in minutes so you can file it away and rest easy knowing you have protection as you continue selecting (and paying) vendors.

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What is the refund policy for the Special Event Liability Insurance Policy?

Category: General Questions

Policy premiums, taxes, and other charges are fully earned at inception of policy coverage and are non-refundable in the event of cancellation of coverage at any time by the insured.

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My venue is requiring that I add them to my policy. Am I able to do this?

Category: General Questions

Yes, a Special Event Liability Policy allows you to name your event venue as additional insured.

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Can I add my vendors (e.g. DJ or photographer) to my policy as additional insureds?

Category: General Questions

No. Special Event Liability insurance affords coverage to the Named Insured. The owners and/or lessors of premises, lessors of leased equipment, sponsors, promoters and co-promoters are the only entities that can be added to the certificate as additional insureds.

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