Special Event Insurance FAQ

General Questions

What does event liability insurance cover?

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.

What does event cancellation insurance cover?

  • Event cancellation/postponement -If you have to cancel or postpone your event, you will be reimbursed in excess of the deductible, for all deposits made and other charges paid or contracted to be paid for: transport, catering services, property and equipment rentals, hall and location rentals, accommodations (including travel arrangements and accommodations for a honeymoon, if applicable), attire, jewelry, flowers, photographer and videographer services, and entertainment expenses.*
  • Unanticipated related expenses -Pays for additional expenses necessary to avoid the cancellation or postponement of the event.
  • Photographer/videographer –Pays for expenses related to re-shooting photographs or video due to a no-show vendor, or loss of media files before delivered to you.
  • Gifts – Pays for loss or damage to gifts occurring at the event site or insured home 7 days before – 7 days after the event.
  • Attire –Pays for loss or damage of attire for the special event.
  • Jewelry – Pays for loss or damage of jewelry within 7 days prior to the special event.
  • Cessation of Operations –Reimburses deposits paid for vendors who go out of business.
  • Counseling –Pays for counseling recommended by a physician for up to 1 year following the cancellation or postponement of the event.
  • What types of events are covered?

  • Social Life Events
  • Sports Events/Competitions
  • Musical Events/Other Entertainment
  • Trade Show/Business Events
  • Educational Events
  • Fairs & Festivals
  • Why do I need event cancellation insurance?

    A wedding may be one of the largest expenses of your lifetime. You can protect your investment in your wedding, or other special event with event cancellation insurance. This coverage provides protection for the necessary postponement or cancellation of your special event, so you can recoup deposits made to vendors and other necessary expenses.

    For what event types can I purchase Event Cancellation Insurance?

  • Baby Showers
  • Baptisms
  • Bar/Bat Mitzvahs
  • Bridal Showers
  • Parties
  • Quinceañeras
  • Wedding Ceremonies / Receptions
  • What is Host Liquor Liability Insurance?

    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.

    How far in advance should I purchase my policy?

    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. 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.

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

    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.

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

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

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

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

    Policy Details

    Can I view the policy specimen (“sample policy”) before purchasing a policy?

    Yes. Please be advised that all specimens are only samples and do not represent the forms/conditions/terms that may be present on your policy. There is state by state variation in forms and different event classifications may require additional warranties and/or forms.

    Special Event Liability Coverage for Events without Athletic Participation

    Special Event Liability Coverage for Events with Athletic Participation

    Special Events Cancellation Coverage

    Who is the carrier?

    Philadelphia Indemnity Insurance Company. Rated “A++” (Superior) by the A.M. Best Company for financial stability. PHLY has received several business honors that highlight their financial strength, customer service, and positive work environment.

    How do I make changes to my policy?

    Please contact us at info@eventsins.com if you need to make a change to your policy.

    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.

    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. We provide ten (yes, ten!) separate coverage options reflected in the table below. This allows you to customize your coverage limits to fit your exact needs.

    Available Limits to Suit a Variety of Budgets*

    Cancellation of Event $7,500 $15,000 $25,000 $35,000 $50,030
    Additional Expense $1,875 $3,750 $6,250 $8,750 $12,500
    Photographer &
    $1,000 $1,500 $2,000 $2,500 $3,000
    Gifts $1,000 $1,500 $2,000 $2,500 $3,000
    Attire $1,000 $1,500 $2,000 $2,500 $3,000
    Jewelry $1,000 $1,500 $2,000 $2,500 $3,000
    Cessation of
    $1,000 $1,500 $2,000 $2,500 $3,000
    Counsel $500 $650 $750 $850 $1,000
    *Additional (higher) limit options available.

    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.

    How much Event Cancellation / Postponement insurance do I need?

    While we can’t advise exactly which limit is right for your special event, you should choose your level of coverage based on the total budget of your event.

    Does weather affect my Event Cancellation / Postponement coverage?

    You will have coverage if an extreme weather event causes the venue to no longer be safe or usable. You will also have coverage if extreme weather prevents an insured, or at least 50% of the attendees from making the event. Our underwriting guidelines currently do not allow us to insure an outdoor venue that does not have a backup plan in the case of mild weather.

    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.

    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
  • Applying for Coverage?

    Is the website secure?

    Yes. Our online web system uses “SSL,” a security system that uses a bit of code on your web server that provides security for online communications. When a web browser contacts your secured web site, the SSL certificate enables an encrypted connection universally used by all secure websites. The system also does not keep credit card information, so after your card is charged your personal information will be deleted.

    How do I purchase a Special Event Liability Insurance Policy?

    Applying for coverage is easy with CPH! You can submit your application online within minutes at www.eventsins.com. Our online application allows you to purchase coverage using a VISA, MasterCard, and Discover (if approved).

    Your coverage documents will be presented immediately for download as soon as the purchase is complete, and we’ll email you a copy as well.

    How do I access my proof of coverage?

    You will automatically be emailed your proof of coverage immediately upon purchase of your policy.

    What is an additional insured, and how can I add them to my policy?

    If you do choose and/or are required to add an additional insured to your policy, this entity can seek coverage under your policy, if held liable in a claim or suit, resulting from your event. Additional insureds can certainly be added to your policy in your online application, at no additional premium.

    How do I pay for coverage?

    You will be asked to pay upon completing your application. We accept VISA, MasterCard, and Discover.

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