One Day Special Event Coverage from PHLY


If you're hosting or planning an event - even one that only lasts a single day - you will likely need special event liability insurance.

Luckily, getting short term special event coverage doesn't have to be complicated. Philadelphia Insurance Companies (PHLY) offers special event insurance designed specifically for short-term events. These easily obtainable policies are part of PHLY's commitment to provide excellent insurance and customer service that surpasses our customers' expectations.

What is Special Event Insurance?

These policies cover losses associated with bodily injury and property damage that occur at the event. The process of applying for this kind of coverage is easier and faster than ever. With only a few questions to answer you can obtain a policy and a certificate of insurance in just minutes. The online application is even mobile friendly, giving the customer the ability to make a purchase on their own time, 24 hours, 7 days a week.

What will the Policy Cover?

Your policy from PHLY includes the event liability coverage needed to meet most standard venue requirements. A one-day special event insurance policy covers incidents including:

  • Slip and fall accidents
  • Equipment damage
  • Property damage to the venue
PHLY has the ability to also offer event cancellation coverage for certain events. This coverage protects against losses due to unforeseen circumstances that result in an event being interrupted, postponed, or abandoned.

Your short term special event coverage begins on the first day of your event at 12:01 a.m. to help ensure you are covered for the duration of the event. The certificate of insurance is issued instantly and is typically what you'll need to show the venue for proof of insurance.

Tips for Getting Special Event Insurance

If you need special event liability insurance for an event, there are a few things you should consider when choosing a policy. Many of these tips depend on the type and duration of the event.

  • Determine the start and end times of your event.
    Coverage starts at 12:01 a.m. (just after midnight) on the day your event begins and ends at 12:01 a.m. the next day. If you know your event will continue past midnight, you'll also need to purchase coverage for the following day.
  • Determine if alcohol will be present.
    If alcohol will be served at the event, you'll likely need Host Liquor Liability coverage. This covers host liability associated with damages resulting from an intoxicated individual who was served alcohol at the event. PHLY has full Liquor Liability coverage available for qualifying risks.
  • Take note of the limits and the deductible.
    Some policies that offer the lowest premiums will also have low limits and high deductibles. PHLY's policies have $0 deductible and high standard limits of $1,000,000 per occurrence/$3,000,000 total.
Special event insurance is a simple and easily obtainable policy that will satisfy venue requirements and protect you during your event. PHLY has an Overall Customer Satisfaction rating of more than 96% and can deliver the perfect policy to meet your needs. Fill out a special event application or speak with a PHLY Representative to get started today!

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