Special events coverage- Try this link http://www.csicoverage.com/special-event-insurance2.html
www.asui.com/products/events/eventliability.htm www.nasep.org/insurance-apply-now.jsp websites such as these can tell you what event liability insurance is
Events insurance is insurance on a one-time event, such as a wedding. You'd be better off going with just regular business insurance or liability insurance for your company. You don't need events insurance for a company, just liability. Events insurance is more for things like concerts or special events that need one-time coverage.
There are many reasons to get liability insurance. All states within the United States require at least liability insurance to drive an automobile. Those in medical professions also get a liability insurance called malpractice insurance.
If the parties are small events at your home then your homeowners insurance should be sufficent to cover any liability concerns. If it is some big event you can purchase special event coverage to provide liability insurance for the event. These are suprisingly inexpensive for one or two day events.
Speak to a professional about the details of the event. An insurance agent can review the potential for both loss and liability and advise you accordingly. Not all insurance would be suitable for all events.
Yes event liability insurance is available for many different types of events. If you currently have insurance for our home, you agent would be the best place to start. One websites that handles insurance just for special events is www.specialeventinsurance.com
There are three basic types of gym and sports club insurance. The first is public liability insurance. This type of insurance is essential if you operate a large club. The second is employer's liability. This type of insurance covers your employees should any of them get hurt on the job. The third is property cover insurance which covers the club/gym itself as well as the equipment from events such as theft, natural disasters, damage, fire, etc.
Event planners owe it to themselves to invest in liability insurance. If there is a theft from the entertainment or a vendor or other participant, planners may be held liable. If there is an accident in which property is destroyed, liability insurance protects the planner from financial ruin. Individual complaints due to accidents are covered by liability insurance. Event planners can also insure their event against a disaster that threatens to eat all the profits or worse shuts down the entire event. Smart financial planning requires that events be insured against these problems.
You may need host and property damage coverate. You can get some help here www.hccsu.com/products/events/eventliability.htm
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The answer depends on how much you can anticipate your potential liability to be. For example, if you are cleaning, run a frayed extension cord to the sweeper. If a fire occurs and kills a sleeping child, or if the fire spreads to another house, the damages can be very great. Recognize though, that liability insurance policies come in various varieties, and usually have "per occurrence" limits. There are likely programs that are specially designed for your industry and which reflect typical liability limits. In all events, you should consult a licensed insurance broker who is knowledgeable about the nature of your business for guidance. Requirements also vary by state.
Insurance, by its nature, covers fortuitous events; it does not generally cover intentional acts. Therefore, the element of "accidentally" is inherent in the coverage. That said, if you maintained comprehensive coverage (as distinct from collision or liability coverage), there would be coverage.