SPECIAL EVENT INSURANCE
Protecting Special Moments
Special event insurance, often referred to by many including Kelly Insurance Group as a safety net, is a type of insurance policy that provides coverage for potential pitfalls and liabilities that might arise during an event, be it a wedding, festival, concert, or other gatherings.
SPECIAL EVENT COVERAGE TYPES
Below will just give you a brief idea of some of the available types of coverages for your special event. Give us a call or contact us today, Ask us how we can help.
Accident insurance for special events is often overlooked, but extremely important. During a special event, spectators and participants of the event are usually looked upon as first party to the insurance. What this means is that if you are a spectator or a participant and you are injured, unless there is workers compensation in place for you, it could be very difficult for you to have any of your medical bills paid for without having to sue the host of the event. A great benefit about accident insurance is that you can choose to have it cover the participants and spectators on a no-fault basis; which means neither the host of the event or the injured person need to be at fault. With such a policy, the spectators and participants don’t need to hire an attorney and sue the host in order for their medical bills to be paid for. As long as the organizer/host of the event confirms the injury happened during the event, the claims process becomes quite smooth.
Limits seen on accident policies are usually much less than what is seen on general liability type of policies. Occasionally you will see $25,000 limits per accident, and $100,000 maximum per event. There are many different coverages and limits available under an accident insurance plan during a special event. Contact us today, better yet text us at 412-212-8577 for expert advice.
Regarding special events, general liability insurance typically protects the organizer of the event against claims or lawsuits regarding bodily injury suffered at the hands of the host or organizer. Further, the host or organizer of the event could also be responsible for the actions of the participants and even the spectators. It is important to recognize that third-party property damage is not general liability insurance and should be treated accordingly. For more on third-party property damage look further into the section or click on the link here.
There are many different sort of issues that could arise during a special event that could activate general liability coverage. For instance, there could be a foodborne illness that affects many of the individuals attending; One of the spectators of the event could accidentally cause bodily injury to a bystander by accidentally poking them in the eye with an umbrella during the event; another common situation during events are slip and fall injuries.
Just to reiterate, general liability insurance is only meant for third parties and not meant for those participating and hosting the event. In other words a host or its participants can’t realistically seek litigation against themselves. Of course there are always exceptions, so please give our office a call and we can help figure out a plan for your special event.
Property damage insurance for a special event can sometimes be coupled with general liability insurance. For the sake of this exercise let us discuss property damage insurance singularly. Property damage coverage protects the host/organizer of the event against claims or lawsuits that allege the event contributed to damaged property. As an example if you were installing art for the special event and you caused damage during the installation of a piece of art, such an accident could fall under property damage. What is interesting about this type of claim is that some carriers may not look at this type of accident as property damage, they would look at it as third-party property damage. Click on this link to learn more about third-party property damage.
Honestly, there are many issues about how and when property damage liability insurance is to pay out and when it is to not pay out. To complicate matters even more, some agents will use the same Termanology when referencing damage to rented premises, and property damage liability. Get the straight answer give us a call today, we’d be happy to discuss your insurance needs.
Safeguard your food service business from liabilities and financial losses with our tailored insurance coverage. We understand the unique challenges faced by food service establishments, from accidents and property damage to equipment breakdowns and food contamination. Our comprehensive insurance mitigates risks and allows you to focus on running your business confidently. Whether it’s a slip and fall incident, kitchen equipment malfunction, or foodborne illness, our coverage keeps your operations smooth. Protect your hard work and secure the future of your food service business with our tailored insurance. Request a quote today and let our knowledgeable team assist you every step of the way. CLICK HERE for more information.
Our comprehensive Sports and Recreation Insurance covers individuals, organizations, and businesses involved in sports and recreational activities. Enjoy your favorite activities with peace of mind, knowing you’re protected against accidents, injuries, and property damage. Whether you’re a sports club, event organizer, coach, or participant, our coverage includes general liability, participant accident, and property/equipment insurance. We understand that accidents happen, so our insurance provides financial support when you need it most. Choose our reliable insurance solutions for peace of mind. Request a quote today to protect your passion for sports and recreation. Let us handle the insurance while you focus on what you love. CLICK HERE for more information.
DOES THE VENUE NEED A CERTIFICATE OF INSURANCE?
Quite often we find that most reputable venues will require the contract/agreement signer to procure some type of general liability insurance coverage, amongst other pertinent related insurance coverages. Kelly Insurance Group promises to provide the required coverage relative to your contract, ensuring your event meets the requirements of the venue.
Even if your event is not required to carry insurance, more often than not purchasing special event liability insurance could be the best decision you’ll make. Give our agency a call today, you’ll be happy you did.
ELIGIBLE TYPES OF EVENTS
SPECIFIED EVENT INSURANCE
Special event insurance, like the ones offered by Kelly Insurance Group, include:
- Liability Coverage: For unexpected incidents at events.
- Cancellation Coverage: Safety against unforeseen cancellations.
- Liquor Liability: For events with alcohol.
- Property Coverage: Protecting event equipment and property.