GatherGuard®

Frequently asked questions

Contact our claims department at 877-248-3455 with a summary of your claim. You are responsible for notifying our claims department of a loss as soon as possible.  The claims adjuster will handle your claims once notification is received, and determination for state-specific statute of limitations is made.  Claims will follow up with you directly within a few days. Have the following information handy:

  • Policy number
  • Name of the insured
  • Date and location of loss
  • Description of the loss and damages
This depends on the changes you would like made. Please contact customer service to see what changes your policy allows.
Host liquor liability, which includes coverage for hosted or cash bars, is part of the coverage. However, if you are providing alcohol at your event as part of your business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, you would need to select liquor liability coverage instead. For both types, please refer to your venue contract for required coverage.
Yes. Rehearsals, rehearsal dinners and brunches related to wedding festivities may be classified as a “Wedding” event type.
The venue location is already included as an additional insured on your proof of insurance. If you need to add someone else, please contact customer service. For events that take place in more than one city, and require both be listed on the proof of insurance, please contact us after purchase to customize your certificate.

Policy cancellation requests must be received at least 24 hours before the event begins. Please be advised that coverage begins at 12:01 a.m. on said effective date and premium is fully earned with the first event date shown on the policy. We will not cancel coverage or refund any premium once the coverage becomes effective.  No partial refunds issued for any unused days.

Policies eligible for cancellation can be processed directly from this website using the Refunds and Cancellation link; you will need to enter the last digits in the policy number from your confirmation email, the last four digits of the credit card you used to make the purchase and the venue zip code.

If the event type is not listed as a choice on the site, it is not covered. Additionally, the following event types and attractions are ineligible for coverage: Any event with a known attendance of greater than 5,000
Animals
  • Animal acts and shows
  • Circus
  • Exotic animal show or event
  • Petting zoo
  • Saddle animal rides
Attractions
  • Aircraft rides, exhibitions, operation
  • Fireworks, flash pots, and smoke pots
  • Hot-air balloon ride
  • Hypnosis
  • Inflatable usage (including bounce houses and inflatables containing a person)
  • Pyrotechnics
  • War games/reenactments
  • Water slide usage
Concerts
  • DJ / Rave
  • Heavy Metal
  • Hip Hop
  • Metal Bands
  • Punk
  • Rap
Fairs
  • Health fair
  • Renaissance fair or festival
Instructional Classes
  • CPR
  • Drivers education
  • Flying
  • Health
Mechanical Events
  • Mechanical amusement device usage (i.e. carnival ride or mechanical bull)
  • Motorized sporting event
Sales Events
  • Flea market
  • Rummage sale – Not for charity
  • Sidewalk sale
  • Swap meet
  • Gun show
  • Knife show
Designated Sports and Physical Activities
  • Bicycle rally, or race
  • Bungee jumping
  • Hang-gliding
  • Laser tag
  • Luge
  • Motorized sporting events
  • Moshing, stage diving or crowd surfing, but only if you have organized, contracted for, endorsed, encouraged or sanctioned such activity
  • Paintball
  • Parachuting
  • Parasailing
  • Professional rodeo or roping event
  • Skateboarding
  • Skiing
  • Skydiving
  • Soap box derby/racing
  • Swimming
  • Tobogganing
  • Trampoline usage
  • Wall climbing
  • Water sports, other than fishing
  • Water slide usage
Other
  • Film production
  • Overnight camping or retreat
  • Fraternity event
  • Go-Kart race
  • Heads of State event
  • New Year’s Party (open to public)
  • Political rally, march, or event
  • Promotion (Marketing) – for profit
  • Reality TV shows
  • Sorority event
  • Temporary Grandstand usage
  • Tractor pulling
  • War game or re-enactment
Policies are available for a series of multiple dates if the event type (for example, meeting, indoors) and location are the same. The first date and last date must be within a 90-day timeframe per policy. Keep in mind the refund policy: once the first event date on the policy has occurred, we cannot provide a refund for any unused dates on the event policy.
No. This policy does not cover the performer, vendor or exhibitor. The coverage protects you, for the added risk of having them at your event. If they are a professional company, they should buy and provide their own insurance specific to their business, and provide you with proof of insurance.
Since a photographer or florist is not a performer, exhibitor, or selling goods or food at your event, you don’t need to include them in the performer section. They should be included in the total attendance for the event if they will be on-site at the venue during your event days. Examples of performers: Bands, DJs.
Service providers hired by the venue are not recognized as vendors or performers.
If you have hired an uninsured band or DJ you should check the performer box on the application.  The band or DJ should be included in the total attendance for the event.  Coverage protects you, for the added risk of having them at your event.  If they are a professional company, they should buy and provide their own insurance specific to their business and provide you with proof of insurance.
Yes.