Event Protection

“They don’t make you feel like a number. I honestly feel like they are fully invested in my best interests.”

- Julie H., Oakdale, CA

Event Insurance

Wedding Event Coverage

Liability Coverage:  required by many wedding ceremony and reception sites, liability coverage protects the insured if held liable for property damage or bodily injury, and also offers host liquor liability to protect against alcohol-related accidents.

Cancellation / Postponement Coverage:  no matter how carefully a wedding is planned, some events are beyond control.  The plan protects your financial investment in the wedding in two ways:

  1. If forced to cancel / reschedule the entire wedding for a covered reason (does not apply cancellation / postponement
    due to change of heart)
  2. If the wedding takes place as scheduled but experience a covered damage / loss to wedding attire, wedding rings,
    wedding photos / video, and more

Wedding Event Cancellation / Postponement Insurance can help the wedding go smoothly at every stage by protecting against:

  • Lost deposits / vendor bankruptcy throughout the planning period
  • Damage to wedding gown, wedding photographs, and more
  • Nonrefundable deposits if forced to postpone the entire event.

Concessionaires, Vendors and Exhibitors

Selling, displaying, demonstrating or promoting products or services, on a short term basis at special events, malls, shopping centers, tradeshows, consumer shows, or a location that is away from any owned or long term leased premises. The insured operations can be conducted from a kiosk, booth, cart, trailer, tent or an outdoor area.

Eligible Operations:

  • Antique & collectible vendors
  • Apparel & accessories
  • Arts & crafts vendors
  • Auto/vehicle accessories (non-mechanical)
  • Candles
  • Caterer (single event option only)
  • Celebrity, mascot or character appearances
  • Cleaning accessories & products
  • Exercise equipment
  • Food & drink concessionaires
  • Game trailers or booths
  • Gift wrap booths
  • Health & beauty products

 

  • Home based vendors (caterers, DJs, florists, ice sculptors, decorators, photographers/videographers- single event option only)
  • Kitchen or cookware accessories or appliances (no knives)
  • Lawn & garden equipment or hardware sales
  • Literature distribution
  • Micro-reality race tracks
  • Motorized equipment - static display
  • Produce & floral vendors
  • Product demos
  • Product or service display exhibits
  • Souvenir sales
  • Sports & camping equipment
  • Toys (for ages 5 and over)
  • Vehicle/boat display- static only

 

Walk/Run Events

Coverage provides important liability insurance for the organization, including its employees and volunteers, for liability claims arising out of its operations.  The program also includes medical payments for participants (on an excess basis) for those participating in the event.  To qualify for program coverage, the following criteria must be met: 

  • Maximum number of participants is 10,000
  • Maximum number of event days is 3 days or less
  • Total course distance cannot exceed 16 miles

Eligible Operations:

Walking and/or running events with a course distance of less than 16 miles, including but not limited to:

  • 5k or 10k walk/run
  • Children's walk/runs
  • Fundraising walk/runs
  • Non-competitive charity walk/runs
  • Timed/competitive walk/runs
  • Walkathons

Short Term Special Events

This insurance program has been specifically designed for the organizers of short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.


Eligible Operations:

  • Achievement Celebration
  • After prom parties (school-sponsored event only)
  • Anniversary Party
  • Auction
  • Award Presentation/Banquet
  • Baby Shower
  • Bake Sale
  • Ball/Dance
  • Banquet
  • Baptism
  • Bar/Bat Mitzvah
  • Billiard Event/Tournament
  • Bingo Event (for fundraising/charity only)
  • Birthday Party
  • Book Signing
  • Bridal Shower
  • Business Meeting
  • Car Wash (for fundraising/charity only)
  • Casino Game/Gambling Event (for fundraising/charity only)
  • Club Meeting
  • Comedy Show
  • Conference
  • Convention
  • Corporate Private Party
  • Debutante Ball/Pageant
  • Estate/Yard/Garage/Consignment Sale
  • Engagement Party
  • Farmers Market
  • Festival
  • Film Screening
  • First Communion
  • Flea Market/Swap Meet
  • Food Cooking Contest
  • Fundraising/Benefit/Charity Event
  • Gaming Event/Contest (i.e. chess, video game, cornhole)
  • Grad Night In (school sponsored only)
  • Graduation Ceremony
  • Graduation Party
  • Grand Opening Event
  • Holiday Celebration
  • Housewarming Party
  • Job Fair/Expo
  • Lecture/Workshop
  • Magic Show
  • Memorial Service
  • Picnic (no water activities)
  • Poetry Reading
  • Private Dinner/Lunch
  • Prom/School Dance
  • Quinceanera
  • Recital (dance/music)
  • Reunion
  • School Band/Drill Team Competition
  • School Carnival (no rides)
  • Seminar
  • Show (i.e. craft, fashion, home)
  • Speaking Engagement
  • Stage Play/Musical (no concerts)
  • Talent Show (children only)
  • Tradeshow/Exposition
  • Wedding Ceremony
  • Wedding (one location only)
  • Wedding Reception
  • Wedding Rehearsal Dinner
  • Wedding Shower

Event Planner Liability

This program is specifically designed to provide commercial general liability insurance coverage for event planners. Inland marine coverage is also available as an option to provide protection for direct loss or damage to the event planners office supplies, equipment, furnishings, improvements and betterments, sign and nonstructural glass. This coverage does not provide event liability coverage.

Eligible Operations:

Fee-based professionals or businesses that plan, organize, coordinate and/or arrange public
or private events and social gatherings for others.

Ineligible Operations:

  • Athletic event promoters
  • Concert promoters
  • Event production companies
  • Rental companies
  • Talent agencies/companies
  • Travel agencies

Coverages Available & Program Highlights

General Liability:

  • Bodily Injury and Property Damage
  • Personal & Advertising Injury
  • Damage To Premises Rented to You
  • Products-Completed Operations
  • Medical Expense (other than participants)
  • Hired Auto and Employers' Nonowners
  • Hip Liability
  • Equipment & Contents (Inland Marine) - optional
  • Professional Liability - optional

     

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