Frequently Asked Questions en español
All the answers to your questions.Common Questions My event happens once a week for an entire year. Is it insurable through your program?
Yes. Please select 52 as your Number of Days. You will be required to indicate each date on which the event is taking place.
We are insured by Evanston Insurance and Lloyd's of London. They are both rated A 15.
You get access to your insurance documents instantaneously. Immediately upon payment a pdf will be on the screen, which you can print or save to your computer for later reference.
The most common problem is the spam filter in an email program. Make sure your documents aren’t in the Junk file in your email program. If you cannot find your documents, please return to the homepage of our website 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.
Have your agent contact us at email@example.com. We can sign up agents with the ability to sell our product to you, that way you get a trusted resource on your side AND the lowest event liability rates and best coverage anywhere.
Quote Questions I have more than 5,000 attendees. Can I still purchase this insurance?
Please contact us at firstname.lastname@example.org with a description of your event to help us determine if we can write your event.
Visit our homepage and begin the quote process in the ‘Get a Quote’ box. You are under no obligation to buy no matter how much data you provide. The 4th step of the process will summarize the quote, show limits and exclusions, as well as final pricing.
Your estimated total attendance is the total number of attendees combined for all days of your event. For example, if your Aunt Susie attends the rehearsal dinner and the wedding, you would count her as 2 in your estimated total attendance.
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.
Use your best judgment, however, please note that if you misrepresent your event (for instance, calling it a Talent Show when it is actually a Rap Concert), 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 email@example.com.
Application Questions I don’t need Host Liquor Liability coverage, can I remove that?
No, and 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.
You may definitely call us for a quote, but we have the entire process automated online in a do-it-yourself format. We do this because it allows us to have the lowest rates of any similar coverage program anywhere.
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 Your Policy’ box, logging into your policy and following the instructions.
We can accept applications and payments outside of our website on a very limited basis and for only 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 firstname.lastname@example.org.
Payment Questions 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.
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).
No, we currently do not offer any payment plans.
If your payment fails you have a choice to try again. Common errors here might include having an incorrect billing address for the cardholder, incorrect card expiration date or incorrect Card Verification Number (CVN). The most common reason for payment failure is a keying error or incorrect billing address of card.
Policy Questions How can I add an additional certificate/additional insured to my policy?
Go to our homepage and locate the box titled ‘Manage Your 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 email@example.com.
No, we can not prorate policies.
Each policy varies depending on the coverages you chose during the online application process. To view the specific amounts please reference your Certificate of Liability Insurance under the column titled "LIMITS."
Go to our homepage and locate the box titled ‘Manage Your 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 fantastic agents. Please send such requests to firstname.lastname@example.org.
Your event dates are located in the bottom box of the Coverages section. If this information is correct, you are covered.
At this time, we do not offer more than $3,000,000 in aggregate coverage. We do not offer lower limits as we have secured these higher limits at the minimum price level.
You can cancel your policy at any time up until the commencement 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 within 6 months of the payment date will only be returned to the card used for purchase. A check will be issued if payment was check, cash or made over 6 months ago.
Definitions 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.
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, professional serving or distributing of alcohol. If the insured is selling, serving or distributing alcohol, Retail Liquor Liability should be included on the policy.
The general aggregate is the maximum amount to be paid out on all claims, combined, arising from your event.
A Waiver of Subrogation is an endorsement to your event policy that prevents our company from seeking compensation for paid claims from the venue’s insurance policy. As such, you should purchase this only if the certificate holder requires it.
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, sporting participants, employees and volunteer workers are excluded.
An insurance policy issued to an individual or organization to protect against liability claims, brought against them for for bodily injury (BI) and property damage (PD) arising from their event. 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 to damages to the policyholder's personal property.