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?

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.

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

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.

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.

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

Various Surplus Lines Carriers. They are rated A 15.

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

Have your agent contact us at 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.

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

Please contact us at with a description of your event to help us determine if we can write your event.

How can I get a quote?

Visit our homepage and begin the quote process. You are under no obligation to buy no matter how much data you provide. The final step of the process will summarize the quote, show limits and exclusions, as well as final pricing.

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

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.

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.

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 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

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.

Can I apply for coverage over the phone?

You may definitely call us for a quote! We can be reached at 855-493-8368 Mon-Fri 7am-5pm PST.

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 Your Policy’ box, logging into your policy and following the instructions.

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 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

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.

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 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. 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 can not prorate policies.

What are the coverage limits for my policy?

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."

How can I make a change to my certificate?

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 fantastic agents. Please send such requests to

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.

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. At this time, we do not offer more than $3,000,000 in aggregate coverage for most events. We may be able to offer higher limits if your event is a wedding. We do not offer lower limits as we have secured these higher limits at the minimum price level.

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 within 6 months of the payment date will only be returned to the card used for purchase. 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 is the most common because it is often required by your venue. Event General Liability does not cover expenses due to cancellation or postponement of your event. To make a claim for expenses due to the cancellation or postponement of your event, you would have had to purchase Event Cancellation insurance. Event Cancellation insurance is only available for weddings through The Event Helper programs.

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 Participant coverage 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 or email us 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.

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, professional serving or distributing of 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 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.

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, sporting participants, employees and volunteer workers are excluded.

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 (BI) and property damage (PD) 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 to damages to the policyholder's personal property.

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