Are you involved in planning, organizing, or hosting an upcoming special event? If so, there's a good chance you will need to purchase a special event liability insurance policy.
Even if your venue doesn't require insurance for your event, with an estimated 40 million lawsuits in the U.S. every year, it's a good idea to get coverage.
Philadelphia Insurance Companies (PHLY) is dedicated to a customer-centered approach designed to provide you with coverage in just minutes. Read below to learn what our policies cover and how you can get a special event insurance quote in minutes.
What Special Event Liability Insurance Covers
Special event liability insurance acts as a kind of general liability insurance for special events. It primarily covers losses associated with bodily injury and property damage that may occur at the event. Most venue requirements stipulate a $1,000,000 minimum in liability coverage from an admitted carrier, which is the standard PHLY coverage offering.
For special events, it's important to find an insurance policy that offers adequate protection. While the cheapest policies may seem attractive, they can come with high deductibles and exclusions that can leave you vulnerable if an incident occurs. Other policies may include high premiums with extras you don't need. PHLY's policies offer excellent coverage options at a competitive price.
As a leading insurance company for special event coverage, PHLY offers high limits starting at $1,000,000 per occurrence/$3,000,000 aggregate. Our policies include options for Liquor Liability (often not included by other carriers) and Abuse and Molestation coverage. Premiums start as low as $175 with $0 deductible.
PHLY covers more than 200 types of gatherings and events with our competitive and comprehensive special event policies. Events we cover include:
Weddings
Banquets
Festivals
Concerts
Conferences
Trade conventions
Auto shows
Running events
If you are unsure which category your event falls in, a PHLY representative can help you determine if it is an eligible event type.
How to Get a Special Event Insurance Quote
As part of our commitment to excellence in customer service, we make getting a quote a simple and easy process. With no login required, you can have everything you need to cover your event in just minutes. Here's all you need to do to get a special event insurance quote:
1. Go to our Special Events page to start the application
2. Answer some basic questions about yourself, your event, and the venue (including potential exposures and whether or not alcohol will be present)
3. Complete the secure online payment
4. Check your email for your instant proof of coverage
We will email you an electronic copy of your policy along with the Certificate of Insurance required by most venues. Need to add additional insureds to your policy? PHLY offers this upon request and can include it instantly.
With PHLY, you get more than a policy; you get a team dedicated to excellence in customer service. Our experts are just a phone call away and can quickly answer any questions you have about your policy.
The perfect policy for your special event is just minutes away. With an Overall Customer Service Satisfaction rate of more than 96%, PHLY is the insurance company that can meet your special event needs. Fill out a special event application or speak with a PHLY Representative to get started today!