Frequently Asked Questions

Espanol FAQs
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.  

Common Questions
How long does it take to get my confirmation of insurance?

Upon payment you get instant access to your insurance documents. In addition to a PDF that you can print or save to your computer for later reference. You’ll also receive an email confirmation with a link to your documents whenever you need them.

Where is my certificate? I purchased a policy and can’t find my documents!

It is probably the spam filter in your email program. Check and see if the documents are in your junk folder. If you still can’t find them,  head back to our homepage and click on the Manage Policy link in the Event Insurance box. With your email address and event start date you can log into your policy information and retrieve your documents. If that doesn’t work, feel free to call us at 855-493-8368 or email

My event happens once a week for an entire year. Is it insurable through your program?

Not a problem! Just select 52 as your Number of Days and enter each date on which the event is taking place.

Why can’t I get insurance through my own agent?

You can! Just have your agent contact us at That way you get another trusted resource on your side while getting access to the lowest event liability rates and best coverage anywhere!

Who is the insurance company for this policy and what is their rating?

Various Surplus Lines Carriers. They are rated AM Best - A 10 or better.

What will my insurance certificate show?
  • Your name & address
  • Your certificate number
  • Your effective dates
  • Your coverage limits
  • Your additional insured names (if applicable)
  • Our agents and contact information (in case of a claim)
  • Our company name & address
Will an email to go into a black hole?

Nope! Emails to are routed to our efficient and friendly team of representatives and returned quickly. Our goal is to return emails within 2 business hours but our average response time is much faster!

Quote Questions
I have more than 5,000 attendees. Can I still purchase this insurance?

We'd love to help you! Please contact us at or call 855-493-8368 with a description of your event to help us determine if we can write your event.

How can I get a quote?

It is easy! Just visit our homepage at and complete our simple application process. Upon completion, you will receive a summarized quote (including limits and exclusions) along with your final pricing information. Not ready yet? You are under no obligation to buy.

My event is several days long – is the estimated attendance the number of attendees each day or a total for the whole event?

Your Combined Daily Attendance is Attendees Per Day X Number of Days - even if the same people are coming each day. For example, if your Aunt Susie attends the rehearsal dinner and the wedding, you would count her as 2 in your estimated total attendance.

How do I determine how many days my event is?

Count the number of calendar days on which event activities are held – even if for only an hour or two. For example, if an event starts at 10:00 PM and goes past midnight you will need to select 2 coverage days. Be sure to include any days that will be used for set-up or break down.

How do I choose the correct Event Type?

Use your best judgment, however, please note that if you misrepresent your event (for instance, calling it a Wedding when it is actually a Comedy Show), should there be a claim, your coverage will be void and you will have wasted your money – and you’ll likely be personally liable for the claim. If you have any questions as to your Event Type, please contact us at or 855-493-8368.

Application Questions
I don’t need Host Liquor Liability coverage, can I remove that?

Host Liquor Liability is covered at no additional charge. There is no need to remove it. Even at alcohol-free events, if someone sneaks in alcohol you could be liable regardless of whether or not it was provided by you. But, if you must remove it to meet your venue's requirement, you can.

Can I apply for coverage over the phone?

Sure! Give us a call at 855-493-8368 Mon-Fri 7am-5pm PST and one of our fantastic reps will walk you through the application process and email you a quote.

I have been asked by my venue to add them as an ‘additional insured’. What does that mean?

An Additional Insured is an entity which has an insurable interest on claims arising out of your negligence as the Named Insured. Common Additional Insureds are the owner, landlord, manager or tenant of a venue. By providing an Additional Insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

The entity you indicate in the Event Location/Additional Insured Step of the online application automatically becomes the first Certificate Holder and Additional Insured. If you need more, you can click 'Add Another'. If you have already purchased your policy, you can add a Certificate/Additional Insured by going to the ‘Manage Policy’ box, logging into your policy and following the instructions.

Payment Questions
Can I apply for coverage online and then pay by check or cash?

We can accept applications and payments outside of our website on a very limited basis and for certain types of events. If you don’t have a credit card or debit card, please contact us at least 30 days before the start date of your event at 855-493-8368 or

Can someone else pay for my insurance?

Yes, just have their credit card information handy for your purchase – number, expiration date, CVC code, name on the card and billing address.

After submitting my payment I was returned back to the form. Why?

If you are returned back to the insurance form this generally means that you have a payment problem with your card. Please double check your card info or try a different card.  Common errors here might include having an incorrect billing address for the cardholder, incorrect card expiration date or incorrect Card Verification Number (CVN).

Do you offer payment plans?

No, we currently do not offer any payment plans.

My online payment failed, what do I do?

If your payment failed for any reason,  you have the option to try again. Common causes for a failed payment include an incorrect billing address for the cardholder, incorrect card expiration date, or incorrect Card Verification Number (CVN). If you continue to experience issues, please give us a call at 855-493-8368.

Policy Questions
How can I add an additional certificate/additional insured to my policy?

Click on the document link in your confirmation email. Or, go to our homepage and locate the box titled ‘Manage Policy’. With your email address and event start date, you can log into your policy information and add an additional certificate. Note that each certificate you’ve requested (even those you no longer need) will be there, so please double-check any certificate(s) you print. Changes to dates, insured information and addition of wording in the ‘Description of Operations’ box must be done by one of our fabulous Customer Support Specialists, please send such requests to

Can my policy be prorated if the number of days of my event changes?

No, we unfortunately cannot prorate policies.

What are the coverage limits for my policy?

Each policy varies depending on the coverage chosen during the online application process. To view the specific amounts please reference your Certificate of Liability Insurance under the column titled "LIMITS."

How can I make a change to my certificate?

Go to our homepage and locate the ‘Manage Policy’ box just below our Special Event Insurance quote calculator.. With your email address and event start date, you can log into your policy information and add an additional certificate. Note that each certificate you’ve requested (even those you no longer need) will be there, so please double-check any certificate(s) you print. Changes to dates, insured information and addition of wording in the ‘Description of Operations’ box must be done by one of our amazing reps. Please send such requests to or click on "Change Policy" at the top of your policy page to complete a change form.

The certificate shows policy dates that are different than my event dates. Why?

Your event dates are located in the bottom box of the Coverages section. If this information is correct, you are covered. If there is a discrepancy in the dates, please send an email to or a call 855-493-8368 before your event starts.

Can I change the coverage limits for my policy?

If your venue requires higher limits, please contact us and we'll see if we can adjust your policy. We can offer up to 5,000,000 in aggregate coverage for most events if it is required by your venue.

Can I cancel my policy and get a refund?

You can cancel your policy at any time up until the commencement (start date) of your policy period. Most refunds will be subject to the refund fee indicated in the Terms and Conditions prior to your purchase. Refund requests due to venue rejection of our policy terms will be processed in full once we are provided with written proof of the rejection, in the form of either a statement from the venue or a copy of the venue's insurance requirements. Refunds will only be returned to the card used for purchase. If your account or card has been closed, we must still attempt to refund to the original card. A check will be issued if payment was check, cash,  or if the bank rejects the refund attempt. You can read our full Cancellation Policy here.

Will my policy cover my drone?

No, the General Liability policy specifically excludes unmanned aircraft/drones. But we have a solution for you! Check out drone insurance here.

Will my event insurance provide coverage if a guest gets infected with COVID-19?

N​o, if an attendee at your event claims that they got a communicable disease like COVID-19 directly or indirectly because of your event, there would be no coverage under the Event Liability policy.​

Will my event insurance cover my expenses if I'm forced to cancel my event?

There are two main lines of Event Insurance. Event General Liability (the most common due to the fact it is required by most venues) does NOT cover expenses related to cancellation or postponement of your event. The addition of Event Cancellation insurance (purchased at least 14 days before your wedding) will give you peace of mind if you have to cancel or postpone. Event Cancellation insurance can be added to your Wedding Insurance policy in The Event Helper application here.

How do I get coverage for Participants?

A General Liability policy is intended to cover attendees and spectators. It is not intended to cover injuries to people participating in or training for a demonstration, show, competition, contest or athletic/sporting activity. This includes entertainers, volunteers or independent contractors. However, you may be able to purchase some additional coverage for participants through The Event Helper! Choose your event type in the application and if coverage for participants in that specific event type is available, you'll see a Participant Coverage box. Please call 855-493-8368 or email with any questions.

What is NOT covered by Event Liability Insurance?

Unfortunately, we just can’t cover everything. Honestly, no insurance policy will. This policy is intended to cover the liability of the insured on the policy (usually the event holder). If the wedding venue used duct tape to hold up a door frame and it fell and hit a wedding guest - the venue should be responsible and will likely need to file a claim with their own insurance company.

Here are some types of claims that your Special Event Liability Insurance policy won’t cover:

Claims arising out of

  • Amusement Devices, Rides, Inflatables
  • Animals (unless animal event type is purchased)
  • Assault & Battery
  • Automobiles, Aircraft or Watercraft
  • Cannabis & any Cannabis derivative
  • Criminal or intentional acts
  • Firework/Pyrotechnics/explosives
  • Pre-existing conditions
  • Theft
  • Unmanned Aircraft (like drones)
  • Weapons (including firearms)
  • Excluded Event Types listed in the Terms & Conditions

Claims of injury to

  • The Insured
  • Anyone compensated by the Insured
  • Anyone practicing or participating in a demonstration, show, competition, contest or athletic event (contact us about participant coverage options)
  • Employees (you need a worker’s compensation policy)
  • Performers, crew and volunteers

This is just for your reference and isn’t a full list of exclusions. The full details of these exclusions and others can be found in the full policy document. Please call us at 855-493-8368 for the most current sample policy document.

Will my policy cover vendors if they cause damage or injury?

No.  Any vendor or independent contractor should have their own insurance since they are their own separate business.  Vendors need their own coverage in case they cause damage/injury at your event.  If your venue's rental agreement holds you responsible for your vendor's activity, you will want to make sure those vendors have the appropriate General Liability insurance coverage and Liquor Liability, if they are a caterer/bartender.  If they don't, we can help!

Do you have a policy that covers cannabis at events?

We have a policy that offers accommodation for cannabis. In other words, we can cover the typical risks at your event - like slip and falls or property damage to the venue - but the policy will not cover claims arising out of cannabis-related incidents or cannabis product liability.  You will, however, be allowed to serve or sell cannabis without penalty by our event insurance liability policy.

What does the term ‘replacement cost’ value mean?

Replacement cost means that the value of covered property will be based on the replacement cost at the time of loss without any deduction for depreciation. It is limited to the cost of repair or replacement with similar property and used for the same purpose.

What is Host Liquor Liability?

Host Liquor Liability is the coverage for event holders that will have alcohol at the event, but are not selling alcohol. The liability could transfer from the drinker to the host when the drinker shows signs of intoxication and then is served, or is allowed to serve themselves more alcohol. Host Liquor will be excluded from the policy if the insured is in the business of selling, professionally serving or distributing alcohol. If the insured is selling, serving or distributing alcohol, Retail Liquor Liability should be included on the policy.

What is a general aggregate?

The general aggregate is the maximum amount to be paid out on all claims, combined, arising from your event.

What is a Waiver of Subrogation?

A Waiver of Subrogation is an endorsement to your event policy that prevents the insurance company from seeking compensation for paid claims from the venue’s insurance policy. This endorsement is only valid if it is required by your contract with the venue/Certificate Holder. As such, you should purchase this only if the Certificate Holder requires it.

What is MED EXP on my certificate?

No fault medical expense coverage. It is a way for the insurance company to cover/settle a claim where there is no actual fault/liability. Example: Uncle Jerry slips & falls at your wedding and there were no witnesses. His own health insurance carries out-of-pocket costs and deductibles. With med pay, the claimant does not have to sue and allege liability; the carrier has the option to settle prior to suit especially when the cost to settle is lower than the cost to defend/deny.

Named insured, athletic participants, performers, employees and volunteer workers are excluded (see policy for details).

What is Special Event General Liability?

An insurance policy issued to an individual or organization to protect against liability claims, brought against them for bodily injury and property damage arising from their event (unless such claims or activities are excluded under the policy). Claims would be from someone (3rd party) who is not the policyholder (1st party). A general liability policy would not provide coverage for the policyholder's own injuries or for damages to the policyholder's personal property.

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