Event Liability FAQs
What is Special Event Liability Insurance?
Event liability insurance is a specialty policy designed to protect and reimburse the wedding couple for certain losses from accidents that occur during the rehearsal, wedding and reception. Wedding liability insurance covers items such as damage to the facility caused by a guest or vendor, bodily injury to guests, or even alcohol-related accidents.
What types of events are covered?
We cover both private events and select business events.
We cover events such as: Anniversary Party, Baby Shower, Baptism, Bar/Bat Mitzvah, Birthday Party, Class reunion, Engagement Party, Family Reunion, Graduation Party, House Warming, memorial service, Private Achievement Celebration, Private Holiday Party, Quinceanera, Retirement Party, Sweet Sixteen, Wedding Shower, Wedding Rehearsal Dinner (visit our sister site WedSafe for complete wedding ceremony, reception and rehearsal dinner coverage package).
We cover select Business functions: Business Dinner, Non-Profit Function, Corporate Private Party, Fundraising Dinner, and Business Meeting.
How do I purchase a Special Event Liability Insurance Policy?
You can purchase event liability policy directly on our website using a major credit card or your PayPal account. It’s quick, easy and secure. Once you purchase, you’ll receive a confirmation email with your policy documents attached.
How far in advance must I purchase my Special Event Liability Event Policy for my event to be covered?
A Special Event Liability Event Policy can be purchased 2 years prior to the event or right up to the day of the event.
Who should be the ’Named Insured’ and what does that mean?
The ‘Named Insured’ is the person hosting the event and usually the person that has signed the contract with the venue. The Named Insured and the person/persons that are listed as the honorees are all protected under the policy. (The venue should NEVER be listed as the ‘Named Insured.’)
Does a Special Event Liability Policy have a deductible?
There is no deductible for general liability coverage (bodily injury); however, there is a $1,000 deductible applicable to third-party property damage claims.
My venue requires me to show evidence of liability insurance. Is a Special Event Liability Insurance Policy suitable for this?
Yes, a Special Event Liability Policy automatically names your venue as an additional insured.
Can I add my vendors, such as the photographer, DJ, musicians, etc. to my liability policy as additional insureds or can I purchase a policy in their name?
No, Private Event Liability insurance affords coverage for the honoree(s) and/or host of the event. The venue is the only entity that can be added to the certificate as an additional insured. Your vendors can try K & K insurance at 1-800-328-2317 for their own coverage.
Is the Event Liability policy primary insurance?
Yes, if the ‘Named Insured’ is solely at fault in a claim, the event liability policy is primary insurance for both the ‘Named Insured’ and any additional insureds listed on the policy. This information is stated directly in the Master Policy; no Endorsement is needed.
My venue has specific wording to be added to the Certificate of Insurance. Can Private Event Insurance accommodate this?
Many venues have already provided us with their required wording, which will be automatically inserted on the venue’s copy of the Certificate of Insurance. (You can search a list of preloaded venues when applying for coverage.)
If your venue is not listed, simply select ’Other’ and enter the venue name, address and complete your purchase. Should any changes need to be made, simply reply to your confirmation email with the changes.
If my event runs past midnight, will I be covered?
Yes, coverage will be provided if your event runs past midnight at the location listed on your insurance documents, until the time the event ends at that location.
My venue requires liability insurance for my event, including set up and tear down. Can Private Event Insurance provide this?
The Special Event Liability policy will afford coverage for the day of the event as well as the 24 hours prior to the event and 24 hours after the event for the set up and tear down.
What is Host Liquor Liability Insurance?
Host Liquor liability insurance provides liability protection against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted. Our liability policy only excludes liquor liability coverage if the ‘Named Insured’ on the policy is ‘in the business’ of manufacturing, selling or distributing alcoholic beverages.
Can I list multiple dates on the application?
While only the event date will be listed on the Certificate, the event includes set up and breakdown, at the event location, that occurs no more than 24 hours prior to the event or 24 hours after the event. The event also includes the rehearsal or rehearsal dinner if scheduled within 48 hours of the event, if the event is a wedding.
What is the refund policy for the Special Event Liability Insurance Policy?
Policy premiums, taxes, and other charges are fully earned at inception of policy coverage and are non-refundable in the event of cancellation of coverage at any time by the insured.
Is purchasing Event Liability insurance from your web site safe?
Our web application uses state-of-the-art security measures and is monitored daily by independent web security certification service McAfee Secure.
What is the ‘RPG Fee’ listed on the application?
The structure of the coverage under the program is being delivered through the Risk Purchasing Group (RPG). Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member; there are no shared limits of liability with any other members.
We strive to provide the most competitive rates and coverage, and we believe this solution allows us to offer that to our customers. The nominal, one-time fee of $15.00 charged is to offset the expenses of maintaining and administering the RPG. We believe the overall cost for the coverage offered is extremely competitive.
Whom do I call if I have to make a claim?
You should contact the Claims Department at K&K Insurance Group, Inc., as soon as possible. You can reach them toll-free at 1-800-237-2917, Monday – Friday, from 8:00am to 5:00pm ET. In an emergency, there is an after-hours service available to assist you, 24 hours a day, 7 days a week.
Can I see a sample policy?
The information contained here is for illustrative purposes only and coverage under the Private Event Insurance Program is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage.