Event Insurance

Attending an event as a vendor can be risky; from slips, trips, and falls to sudden changes in weather, there is a lot you need to be prepared for. That’s where insurance can help.

Event insurance is like a metaphorical umbrella that covers your business. If someone gets hurt at your booth or your display accidentally scratches up the floors, insurance may help you pay for medical bills or repair costs.

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What Is Event Insurance?

Event insurance is a type of coverage vendors, exhibitors, and booth holders can use to protect their businesses at events. It often contains a few types of coverage found on one plan and is typically designed to cover you for a short period of time.

The most standard type of event insurance uses general liability coverage. This helps to protect you for incidents such as unexpected weather that blows your booth into a crowd or slips-and-falls that occur in the space your business is occupying.

Event liability insurance is meant to be a third-party policy for incidents that might happen that are out of your control (third-party = people injured or property damaged from your negligence).

It can also help protect the event you’re attending or the venue where the event is being held. This is known as an additional insured and is a common coverage you may be requested to add to your policy.

Events usually require you to have a general liability policy that covers at least $1,000,000. Occasionally they may want additional insurance coverage, like a non-contributory waiver. It all comes down to the specific event and their coverage needs for you.

Insurance Note: Product Liability Insurance is a coverage that can help pay for injuries or damages caused by the products you sell, such as a customer having an allergic reaction to the metal in your handmade jewelry. A Non-Contributory Waiver means your insurance carrier won’t ask the insurance carrier for the event to help pay for any claims that you might file.
Ultimately, your insurance policy depends on the event you’re attending, the coverage you want, how long you want the policy to last, and any additional needs of the event organizer. Every policy might be a little different, but the intent is to keep you covered while you do your thing at the events you attend.
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What Does Event Insurance Cover?

At ACT, we’ve designed a robust event insurance policy that offers you more protection than a standard general liability policy. We’ve added some additional limits that help you have ample financial protection in the unfortunate event something happens.

Below you can find a list of what coverages we offer, what they do, and what limits are available.

General Liability Insurance

General liability insurance is a third-party coverage that can help you pay for claims of bodily injury or property damage that you or your business are responsible for causing.

Let’s say you’re attending an outdoor event and you have an EZ-up tent over your booth. As the day goes on, a storm slowly starts to roll in, but the event is rain or shine so you carry on. Out of nowhere, a gust of wind comes in and sends your tent flying into the parking lot. A couple of cars are scratched, and one person’s windshield is cracked.

You now have to pay several thousands of dollars in car repairs. With vendor event insurance, you may have help paying for the damages.

Damages to Premises Rented to You

This coverage can help you pay for damages caused to premises rented to you. It specifically applies to a physical location, like a vendor stall or an exhibition space.

For example, consider a scenario where you are setting up your booth on site the day before a craft show. As you are bringing in parts of your display, your wagon breaks and a large wood sign falls into a window. The owner of the venue is demanding that you pay for a new window to be installed, and the event manager wants it done fast so it doesn’t affect the event.

The cost for a same-day window installation is not cheap, and you don’t know if you can sell enough product at the event to make up for the cost. Damages to Premises Rented to You can help reimburse you for the repair so your business doesn’t have to take the financial hit.

Medical Expense Coverage

Medical expenses can be costly, but medical expense coverage can remedy the pain. This coverage is meant to help you pay for medical bills treating injuries you or your business caused.

If someone accidentally spilled water on the ground in front of your table at an event and you did not realize it, then a customer comes walking by and slips on the water while looking at your products, they may worry their hip is broken and need an ambulance to take them to the hospital.

A few weeks later, they are asking you to pay for their medical bills from the incident. Because you failed to keep your booth clear of hazards, you would be responsible for paying these bills. This coverage comes in handy for this unexpected expense.

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Event Insurance Coverage Details

The cost of insurance for an event can vary, but with ACT it starts at $49. Things that can impact the price of your policy include:

  • The policy length you choose
  • Adding additional coverage
  • Increasing your limits
  • Having a history of claims

Policy Length

Your policy length is the amount of time your policy will be in effect for. We offer 3-day, 7-day, and 90-day policy lengths. This means you will have consecutive coverage for a certain amount of time. You can choose what day your coverage starts on, but this won’t affect the price. You cannot use a policy on different days. Once you buy a policy, it will run non-stop until the specified length comes to an end.

Adding Additional Coverage

Adding additional coverage usually comes at the request of an event organizer, and payment for extra coverage happens after you have already bought a policy. Think of it like a two-part payment: the first is buying your policy and the second is buying additional coverage. While it does not initially impact the price of a policy, you will be paying an additional charge.

The most popular add-ons we see are for a Primary, Noncontributory and a Waiver of Subrogation for $40. These add-ons mean your insurance policy is the primary one to cover a claim and won’t ask the insurance companies insuring the event for help paying for claims.

One perk to getting insurance with ACT is that you can add unlimited additional insureds for free! This is extremely beneficial to you since most events requiring insurance will also be requiring you to add them as an additional insured. That’s one less payment you have to worry about making.

Increasing Your Limits

Increasing your limits is also occasionally requested by an event organizer. These limits are worked out with our team and can vary in price. This is usually done to give you more coverage in the case of a claim. Sometimes an injured person might try to start a lawsuit, and the cost of a claim can jump significantly. After all, lawyers are not cheap.

Claims History

Having a history of claims raises a few red flags for an insurance company. It can show you may not be a responsible business owner. Most people have one incident happen and will do everything they can to prevent another one. Repeated incidents show you may not be taking all the necessary precautions to run a safe business, and it’s more likely that you’ll have another claim.

Who Needs Event Insurance?

Anyone from a potter selling handmade bowls at a farmers market to a photographer promoting their services at a bridal expo needs event insurance! The reality is, accidents can happen to anyone at any time. It’s better to be safe than to be stuck with an expensive claim.
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We also Insure other types of Vendors Such As:

  • Bakers
  • Businesses
  • Photographers & Videographers
  • Retailers
  • Vintage Collectors
  • Wholesalers
  • Vendors selling beauty products, books, decor, pet products, & toys
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Types Of Events You’re Covered At

ACT offers nationwide coverage, so you’re covered at most events in every state! Some of the most popular events we insure vendors at include:

Upcoming Events

Looking for events to attend? Check out our list of upcoming events from our partners.If you see one you’d like to attend, you can buy insurance coverage directly from the event’s page.

FAQs About Event Insurance

Does ACT Offer Special Event Insurance?

ACT does not offer special event insurance. While we may cover the vendors who are working at a special event, we cannot insure an event itself.

Our event insurance is not a policy that covers weddings, birthday policies, bar/bat mitzvahs, and other private parties where the host is looking for coverage. This is because we don’t offer cancellation insurance, host liquor insurance, liquor liability insurance, live music or performer coverage, and other common things special event hosts would need.

However, our sister companies FLIP Insurance, Beauty & Bodywork Insurance, Full Frame Insurance, and Insurance Canopy offer some more specialized individual liability policies that ACT does not.

What Is An Additional Insured And Can I Add One (Or More)?

An additional insured is a person or entity that requests to be added to your policy. This extends coverage to them in case you are held responsible for an accident and they could face repercussions from it.

An additional insured could be an event organizer, an event, a sponsoring business, a venue, a landlord, or a city. An additional insured cannot be friends, family, employees, other vendors, or other businesses you may own. These people or entities would need their own liability policies if there is worry about needing coverage.

For example, a customer tripped over part of your display and broke their ankle. They had to miss work and had some expensive doctor’s visits. They are suing you, the event, and the city for damages. If you had the event and the city added as additional insureds on your policy, then they would receive coverage from your policy to pay for the lawsuit.

With ACT, you can add as many additional insured on to a policy at no cost to you. Our free unlimited additional benefit is one of the many things that makes ACT great!

What If I Only Need A One-Day Insurance Policy For An Event?

The shortest policy length ACT offers is a 3-day policy. However, this policy is typically cheaper than a one-day policy other companies may cover.

In most cases, it’s better to have a 3-day policy since this gives you coverage the day before and after your event. You could have that coverage while traveling to and from an event, or while setting up and taking down your booth.

What Is The COI (Certificate of Insurance) For An Event Policy?

A Certificate of Insurance (COI) is the document you receive that shows you have a valid policy. It outlines the details of your coverage, like your limits and any exclusions. It also lists any additional insureds you have added.

The COI is typically the document that event organizers will request a copy of when they require you to show proof of insurance for an event.

Does ACT Cover Event Planners?

ACT insurance does not cover event planners. We also do not insure entire events or venues. We do, however, partner with events, event organizers, and venues who want to easily offer liability insurance to their vendors.