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.
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.
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.
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.
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.
Yes, a Special Event Liability Policy allows you to name your event venue as additional insured.
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.
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
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.
Please contact us at events@cphins.com if you need to make a change to your policy.
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.
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*
| COVERAGE | LIMIT OPTION 1 | LIMIT OPTION 2 | LIMIT OPTION 3 | LIMIT OPTION 4 | LIMIT OPTION 5 |
|---|---|---|---|---|---|
| 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 & Videographer |
$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 Operations |
$1,000 | $1,500 | $2,000 | $2,500 | $3,000 |
| Counsel | $500 | $650 | $750 | $850 | $1,000 |
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.
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.
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.
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.
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.
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.
You will automatically be emailed your proof of coverage immediately upon purchase of your policy.
An additional insured is an entity that can seek coverage under your policy if held liable in a claim or suit resulting from your event. You may add an additional insured to your policy within your online application at no additional premium. An additional insured premium will apply if the attendance at your event exceeds 1,000+.
You will be asked to pay upon completing your application. We accept VISA, MasterCard, and Discover.
