FAQ Category: Policy Details

Common Policy Exclusions

  • Abuse or Molestation
  • Medical Payments
  • Fungi or Bacteria
  • Lead
  • Asbestos
  • Terrorism Involving Nuclear, Biological, or Chemical Terrorism
  • Pyrotechnicians/Fireworks
  • Miscellaneous Activities and Devices (including but not limited to: amusement devices, bungees, trampoline, animals, performers, rodeo)
  • Employment-Related Practices

Who is covered under my policy?

The named insured as well as any named honorees on the policy. You also have the option to add an additional insured if this is required by the venue.

The policy protects the person or organization under whose name it was purchased (the “Named Insured”). Your event venue(s) can also be added as Additional Insured. Please note that you cannot add vendors (for example, caterers or musicians) under this policy. Any vendors at your event should have their own liability insurance.

Is there a deductible?

There is not a deductible for Event Liability (General Liability) Insurance coverage. There is a $25 deductible for each coverage included in Event Cancellation Insurance coverage.

What are my coverage options?

For Special Event Liability Insurance, we offer Limits of Liability of $1,000,000 each occurrence / $3,000,000 aggregate OR $2,000,000 each occurrence / $4,000,000 aggregate. This allows you to customize your coverage limits to fit your exact needs.

What do I do if I have a claim?

You should file a claim with Philadelphia Insurance Companies as soon as you are aware of an incident. Our online Report A Claim Form allows you to file your claim in just minutes and is available 24/7 on our website www.phly.com. Our Claims Customer Service number is 800.765.9749 and is available Monday-Friday 8:30 a.m. to 8:00 p.m. EST.