Welcome to our Event Insurance
Welcome to the West Coast Global Insurance Services Event Insurance division. We provide Event Liability Insurance that protects event holders from claims made against them due to injury to guests and damage to the venue. If an attendee gets injured at an event, the event holder could be responsible for thousands of dollars without insurance protection. Therefore, it is crucial to have coverage for any unexpected incidents that might occur.
One question that often arises is why the venue requires renters to get Event Liability Insurance. Even though the venue has its own insurance, it will not cover the renter if they are responsible for the injury or damage. In most cases, the venue’s insurance only provides coverage for its own actions. Therefore, it is necessary to obtain Event Liability Insurance to ensure that the event holder is protected.
If you are planning to hold an event at someone else’s space, such as a meeting, party, or wedding ceremony, you will need Event General Liability insurance. Most venues require this coverage to protect both the event holder and themselves from claims of injury to attendees and damage to the venue. Always check the rental agreement for the venue’s insurance requirements, and if they don’t specify what type of insurance is required, make sure to check what you will be held responsible for.
The cost for Event Liability Insurance varies depending on the type and size of the event. The total cost can start at $66 for a small wedding and can go up to $400 for a 70’s music concert with 2500 people attending.
The purpose of Event Liability Insurance is to protect the event holder from having to pay out of their own pocket for most claims of injury or property damage due to their event. The policy exclusions will apply, so it is essential to read the policy details carefully.
Event Liability Insurance is crucial for protecting yourself or your business from financial hardship. For instance, if a guest slips and falls while attending your event, they could hold you responsible for their medical expenses. Without Event Liability Insurance, you might have to pay these expenses out of your own pocket.
If you are organizing a sporting event, you might also need Sports Insurance, which starts at around $250 for General Liability coverage. However, note that the standard Event General Liability policy will not cover injuries to any sporting/athletic participants, performers, volunteers, employees, or individuals compensated by the insured. Therefore, you might need additional coverage for specific activity types.
Our general liability event insurance program has the broadest coverage and lowest prices. This is one of the many reasons we write more event insurance than anyone in the country.
Program Overview:
- Host liquor coverage included, retail liquor coverage available.
- 410 event classification codes.
- Cover events up to 5,000 attendance.
- Instant Coverage.
- Waiver of Subrogation / Primary Wording available.
- Hired and Non-owned Auto Coverage available.
- Free Additional Insureds.
- No coverage location limitation.
- A+ Rated Insurance Carrier.
Special Event Program
Limits up to $2,000,000 occurrence / $3,000,000 aggregate.
- Covers events up to 5,000 attendance.
- Retail liquor coverage available.
- Waiver of Subrogation / Primary Wording available.
Your team plays hard and has a lot of fun doing it. As a coach, team leader or sports instructor, the last thing you want to worry about is the financial hardship a sporting injury can cause you if a lawsuit is brought against you.
Program Overview:
- Choose from $10k or $25k participant medical
- Coverage for athletic activities noted on the policy
- Host liquor coverage included
- Cover events, fundraisers, meetings or ceremonies up to 5,000 spectators
- Instant Coverage.
- Hired and Non-owned Auto Coverage included
- Waiver of Subrogation / Primary Wording available
- Sexual Abuse and Molestation Liability coverage available
- Free Additional Insureds
- No coverage location limitation
- A+ Rated Insurance Carrier
Available Coverage:
- Each Occurrence: $1,000,000, $2,000,000 Available
- Personal & Advertising: Injury $1,000,000, $2,000,000 Available
- General Aggregate: $2,000,000, $3,000,000 & $5,000,000 Available
- Products / Completed Operations: INCLUDED
- Medical Payments: $5,000
- Deductible: $1,000
- Liquor Liability Host Included
- Waiver of Subrogation Available
- Hired & Non-Owned Auto Included
- Unlimited Additional Insureds ∞
All our event insurance policies come with unlimited additional insureds for free. 50 States Strong. All of our programs are available in all 50 states and Washington DC. Annual Policies Available 365 Annual polices are available over the phone. If a customer is interested, give us a call at (530) 477-6521.
Obstacle Race Program
Athletic Participant Coverage.
- Covers events up to 5,000 attendance.
- Waiver of Subrogation / Primary Wording available
FAQ's
What is Event Liability Insurance, and why is it crucial for event holders?
Event Liability Insurance is a policy that provides protection to event holders against claims resulting from injuries to guests and damage to the event venue. It is essential because without insurance, event holders could be held financially responsible for significant costs in case of unexpected incidents. This insurance safeguards event organizers from potential financial hardships and ensures that they can focus on hosting a successful event.
Why do venues require event renters to have Event Liability Insurance, even when the venue has its own coverage?
Venues often require event renters to obtain Event Liability Insurance because the venue’s insurance typically covers only the venue’s actions and liabilities, not those of the event holder. In the event of injury or damage for which the event holder is responsible, the venue’s insurance may not provide coverage. Therefore, event renters need their own Event Liability Insurance to ensure comprehensive protection for themselves and the venue.
How much does Event Liability Insurance cost, and what does it cover for event holders?
The cost of Event Liability Insurance varies based on the type and size of the event. It can start as low as $66 for a small wedding and go up to $400 for larger events, such as concerts. Event Liability Insurance primarily covers claims related to injuries or property damage resulting from the event. It serves as a financial safety net for event holders, protecting them from having to pay out of their own pocket for most claims. However, it’s important to carefully review policy details, as exclusions may apply based on the specific policy.