Event Helper Insurance is an insurer/distributor of event insurance started in 2009, based in California. Like with any insurance policy purchase, it is important to compare insurance providers to ensure that the policy meets your event insurance needs.
Top Alternatives to Event Helper Event Insurance:
Be sure to check your venue’s insurance requirements before securing a policy!
GatherGuard
Damage to rented premise limit: $250,000
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No
Free quote feature available
SpecialInsurance.com
Damage to rented premise limit: $300,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes
Free quote feature available
Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required
Why is Event Insurance Needed?
Need we say more? This is just one of thousands of examples where event insurance helped the policyholder cover unforeseen expenses!
How Does Event Insurance Work?
According to Event Helper:
Event Liability Insurance works to protect the event holder from claims made against them due to injury to guests and/or damage to the venue. An injury to an attendee could cost an event holder thousands without insurance protection.
Often we are asked why the venue requires their renters to get Event Liability Insurance when the venue should have their own insurance. The venue’s insurance is not going to cover the renter if they are responsible for the injury or damage. In most cases, it will only provide coverage for the venue’s own actions.
If you’re a venue renting out your gorgeous space for events, you may want to consider requiring your renters to obtain coverage. This can help if one of their guests slips and falls or someone drags a table across your beautiful hardwood floors. The Event Helper makes obtaining coverage easy and we have programs to make sure the venue’s requirements are met.
What is Event Insurance?
Per Event Helper:
Event Insurance is a General Liability policy designed to protect the event holder for most claims of guest or spectator injury or property damage arising from the event. This type of coverage is often required from the venue.
Venues and event sponsors may require that they are named as Additional Insureds on the policy to protect themselves from the event holder’s actions. Host Liquor liability is often included in Event Liability Insurance should the insured be liable for damage or injury be as a result of alcohol at the event.
Vendors, exhibitors or service providers may also be required to have Event Liability Insurance in order to be at the event. Event Liability Insurance is a great option for them if they don’t already have coverage through their Business Owner’s Policy.
How Much Can Event Insurance Cost?
In short, policies can start at $75, however it is very important that you know your venue’s insurance requirements beforehand. Most venues now require minimum coverage limits, policy endorsements (like Waiver of Subrogation and/or Primary Noncontributory), and additional insured listing requirements.
By knowing the venue’s requirements before purchasing, it can save you hours/days of follow up and frustration.
Can Event Insurance be Purchased Online?
Yes, most insurers now allow for online quoting, binding, and issuance of the event insurance policies. This includes GatherGuard, SpecialInsurance.com, EventHelper, Markel, Allstate, and State Farm.