Frequently Asked Questions: Event Insurance

Do event liability policies automatically provide workers' comp insurance?

Do event liability policies automatically provide workers' comp insurance?

No! That's a separate policy that has its own application.

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Do we need liquor liability?

Do we need liquor liability?

Probably not, which is good because it's really expensive! The only time you need liquor liability coverage is if you are selling the alcohol and retaining the money that you make. If that's the case, you also need a liquor license (and we'll need a copy of it) and someone with your event needs to complete a specific online intervention training program (which we also need proof of). Event insurance already includes some liquor coverage that is everything you need if you're giving the alcohol away.

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Does this policy include performer coverage?

Does this policy include performer coverage?

No; if you're doing an Equity showcase or have volunteer performers you'll need to get a volunteer accident policy, which is different coverage. If you have performers you are paying then you may want to look into a workers compensation policy.

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How much does it cost?

How much does it cost?

Every event is different, but the minimum is $380 and as always, it can go up from there.

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Is there a deductible?

Is there a deductible?

No, not on the liability insurance policies.

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What are the limits?

What are the limits?

Generally, $3 million aggregate (the total that the insurance company will pay out); $1 million each occurrence; $1 million personal and advertising injury; $3 million products and completed operations. This can vary based on each policy, but these are the typical limits for the event insurance program.

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What can be insured under these policies?

What can be insured under these policies?

All sorts of things, as long as they're artistic! We've done plays, musicals, dance, opera, music, gallery openings, film screenings, poetry readings, gala fundraisers, music festivals, the list goes on!

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What if my event is in lots of venues or is really long?

What if my event is in lots of venues or is really long?

That's fine! But if you have lots of things going on throughout the year, you'll probably be better off with an annual policy.

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What is event liability insurance?

What is event liability insurance?

It's short-term liability insurance that covers you against claims related to damage to the venue and injury to spectators or innocent bystanders

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What isn't insured under these policies?

What isn't insured under these policies?

Events held in a private home, or anything that is not artistic. We can't do weddings.

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Frequently Asked Questions

Frequently Asked Questions: Event Insurance

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