Frequently asked questions

Contact our claims department at 877-248-3455 with a summary of your claim. Once the claims adjuster receives the notification of your claim, they 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

Simply fill out our online application with your event information.

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.

Notify our claims department of a loss as soon as possible. We will handle the claim once received, and determine what the statute of limitations is for that particular state where the loss occurred.

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

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
  • Animal acts and shows
  • Circus
  • Exotic animal show or event
  • Petting zoo
  • Saddle animal rides
  • Aircraft rides, exhibitions, operation
  • Fireworks
  • Hot-air balloon ride
  • Hypnosis
  • Inflatable usage (including bounce houses and inflatables containing a person)
  • Pyrotechnics
  • War games/reenactments
  • Water slide usage
  • DJ / Rave
  • Heavy Metal
  • Hip Hop
  • Metal Bands
  • Punk
  • Rap
  • 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
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
  • 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.

Policies with effective dates that are today or in the past cannot be cancelled. Policies for events that have not yet taken place can be cancelled directly from this website by selecting the Refunds and Cancellation link at the bottom of the page. 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 zipcode.

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 is not a performer, exhibitor or selling good 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.

Since a florist is not a performer, exhibitor or selling good or food at your event, you don’t need to include them in the performers section of the application. They should be included in the total attendance for the event only if they will be at the event during any of the event dates (for example, set up and take down days).

No. The intention of the performers section of the application is to capture any non-professionals you have personally hired who could increase the risk associated with your event. Caterers or bartenders employed by the venue hired for your event do not need to be counted here. If your uncle plays in a band on the weekends, and is playing at your event for a fee, but does not carry band insurance, count him as 1 performer here. If your uncle is volunteering his musical services, he would not be counted as a performer.