Insurance Articles

This information is provided to assist you in understanding the coverage being offered and does not modify the terms and conditions of any insurance policy, nor imply a claim is covered. Specific coverage terms vary by class of business. See your policy for full details.

Event Planning

Entertainment

Are you hiring entertainment? It is important that all your subcontractors maintain their own insurance policy with limits the same as yours as well as name you as an additional insured by an actual endorsement to the special event insurance policy.

Food Services

Nearly every single special event does involve refreshments. The location you select must have adequate preparation, refrigeration and storage facilities for the types of food you plan to serve.

Having Alcohol at Your Event

If you plan to serve alcohol at your special event, make certain that the location you choose allows alcohol to be served. Also make sure to inquire about any special conditions, permits, or special event insurance.

How to choose the perfect wedding venue

You have found an excellent groom and bought that superb dress. You're anticipating a flawless wedding.

Indoor Events

If the special event will be held indoors, you need to visit the proposed facility, taking special note of the overall condition of the building and its appropriateness for the planned activities. Is it the right size? Take a look at the lighting.

Legal Considerations

As we all know, accidents sometimes happen despite careful planning and numerous precautions. The agreements you make prior to the event may dictate who is legally responsible for the injury.

Lost and Found

You should plan ahead for the misplacement of people's belongings as well as for the safety of the guests themselves. Easy to read signs being posted requiring guests to keep track of their things at your special event.

Outdoor Events

If you are planning an outdoor event you will have some special considerations. Will there be enough places for people to get out of the hot sun?

Proper Preparation is the Key to Successful Events

Ensuring that every detail has been accounted for, nothing has been forgotten, and even when you think that everything has been covered, there is always something else to consider.

Security and Crowd Control

Security firms may be necessary for large groups. They can be useful for general crowd control, or may be necessary to escort troublemakers, intoxicated attendees, or suspected thieves or vandals off the premises.

Staffing Needs

Well before selecting the location of the planned special event, you should estimate the type and expertise of volunteers and staff who will be available.

The Blueprint for the Event

An event should be planned keeping in mind the purpose of the event, the needs and characteristics of the participants and the capabilities and resources of your agency.

Transportation and Parking

When considering the location of a special event, determine what will be the most likely mode of transportation used by those attending your special event. Will you have to make any special considerations for parking?

Vendors and Other Independent Contractors

Very often a special event organizer will invite vendors to participate in the organization’s special event.

Insurance Definitions

Certificates of Insurance

A certificate of insurance is a piece of paper that provides evidence that an individual or an organization has purchased insurance. It typically lists the insurance company, the types of coverage purchased and the limits of coverage.

Insurance Terms Glossary

Below is a list of insurance terms and their industry standard definitions. Please be aware that many of these do not apply to Special Event Insurance as the coverage is General Liability. Coverage terms vary by class of business. See your policy for full details.

Waivers of Subrogation

Learn about this confusing form.

Policy

Cancellation and Refund Policy

We now guarantee that our liability insurance will be accepted by your venue. If your venue does not accept our liability insurance, then you are entitled to a full refund of every cent you paid us!

Does Naming Someone As Additional Insured Give Them Coverage?

Naming someone as the additional insured DOES NOT give them insurance for their own operation.

How is host liquor liability insurance covered for an event?

You may have seen something called "host liquor" on our website or heard someone request that you have it. Learn exactly what that means!

How is my Rented Equipment Covered?

Damage to rented equipment is not covered under the Special Event General Liability policies.You need to rent a grand tent for the wedding, camera equipment for a film shoot or a specialty sound system for a party.

Our Broker Program

Learn about our broker program built just for you! Located at: www.InsuranceHelper.com

What is Surplus Lines?

Due to the unique needs of our clients, we write policies with Surplus Lines / Non-Admitted Carriers.

What is a Risk Purchasing Group?

The Event Helper has an agreement with the Risk Purchasing Group, Promotion, Event and Prize Purchasing Group. The purpose of a Risk Purchasing group is to allow a group of businesses with similar risk profiles to join together to take advantage of a joint insurance purchase.