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How Event Insurance Protects Your Event From Liability

No matter what kind of event you are planning, it is imperative that you protect your guests, the venue, and yourself against mishaps that can happen during a large gathering like a wedding, concert, or conference.

ProductBy Philadelphia Insurance Companies
A crowd of cheering people at a concert face a lighted stage and have their arms raised.

Why Do You Need Event Insurance?

No matter what kind of event you are planning, it is imperative that you protect your guests, the venue, and yourself against mishaps that can happen during a large gathering like a wedding, concert, or conference. Not only do many venues require event insurance, but as an organizer you have a special duty to ensure safety and manage risk.

Whether you need concert insurance, music venue insurance, or other kinds of risk management solutions, Philadelphia Insurance Companies (PHLY) can provide the expertise and coverage you need to make sure you can focus on your event with peace of mind.

If your venue requires event insurance, you probably want to understand what you're purchasing. Policies vary, but most will cover a few basic exposures.

Here are some things to look for when determining what your policy will cover:

  • Vendor issues, such as cancellations or no-shows

  • Extreme weather events that render the venue unsafe or unusable

  • Property damage to the venue

  • Lost or stolen items

  • Accidents leading to one of your guests getting injured

Special Event Insurance: The Important Things, Protected

Everyone hopes their event will go perfectly, but unfortunately, things can happen that are out of your control. Incidents can lead to significant financial loss, especially without adequate insurance coverage.

Many venues require special event insurance in order to host the concert, 5K, or other special event on their premises. If your venue has asked you to get this kind of insurance, there are a few things you need to know in order to get the right policy. Philadelphia Insurance Companies (PHLY) can provide the expertise and coverage you need to navigate and secure coverage.

Concert & Entertainment Insurance

PHLY has experience handling a wide variety of concert and entertainment insurance claims. Our concert event protection has helped cover a variety of claims, including:

  • Concert goers damaging the venue
    For example, you rent an adjacent grass lot for parking and attendees damage this space

  • An attendee is injured during an altercation in the audience

    Innocent bystanders might also be injured, resulting in lawsuits

  • Equipment being moved injures a guest

    An attendee is struck with an object and files a personal injury lawsuit

  • Liquor is served improperly

    Or failing to comply with drug and alcohol laws can introduce safety concerns - commercial liquor liability protects organizers at concerts where alcohol will be served by ensuring that alcohol vendors are licensed and servers are well-trained

  • A vehicle is damaged

    Hired or non-owned autos are used for errands before, during, or after the event and injury arises

Claim Scenarios - Special Events

Why The PHLY Difference Matters

Comprehensive Coverage

Our robust special events insurance includes:

  • General liability coverage of up to $1M per occurrence/$3M aggregate

  • Premise liability and property damage

  • Personal injury liability

  • Auto liability for owned, non-owned, and hired vehicles

Commercial liquor liability can also be written into policies for events that will serve alcohol. Premiums start at $175 with zero deductible.

No-Hassle Application

Our mobile-friendly application can be completed online in minutes. Because we understand venues require proof of insurance, policy documents are emailed to insureds immediately upon completion of the online application. Furthermore, venue hosts and partners can be added to PHLY's concert liability insurance as additional insureds for no additional premium.

Recognized Strength and Service Excellence

Our financial strength has been recognized with an AM Best rating of A++ (the highest rating they offer) and a Standard & Poor's rating of A+. In addition, our commitment to customer service has earned six consecutive Confirmit ACE (Achievement in Customer Excellence) awards. This is further reflected in our 96% overall customer satisfaction rating.

It's quick, easy, and affordable to get PHLY coverage. Simply apply online at our Special Events Portal or contact a PHLY representative to learn more.

In just a few minutes, you can get back to event planning with peace of mind and protection.

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