Considering GatherGuard for your event insurance needs? The below GatherGuard review was part of a broader analysis of over a dozen insurers.
Overall we give GatherGuard Insurance a 4.5 out of 5 based on our analysis criteria found here.
What We Like About GatherGuard
It seems that GatherGuard by Intact is one of the newer players in the space and they really impressed us!
- Starting at $75 for GL coverage with limits of $1M/$2M (occurrence/aggregate)
- $250,000 damage to rented premises included, with the option to upgrade to $1M for $25+
- No deductibles
- Host liquor liability always included
- Online purchase experience was great on desktop and very good on mobile
- Costs update in real time so you don’t have to go all the way to the end to see the final price
- The venue’s additional insured information will be automatically added if the venue is known to them
- Sold directly by the insurer (no middlemen)
- Self cancellation feature
- Amazing sample policy feature
What We Didn’t Like About GatherGuard
- No options to add the Waiver of Subrogation or Primary Noncontributory endorsements
- No option to add medical expense coverage
- Need to call in to add additional insureds (unless the venue is already known to them)
- Need to pay for another full day of coverage if the event goes past midnight
Lowest Cost Available
$75
- $1M/$2M (occurrence/aggregate) GL
- $250,000 damage to rented premises
- Host liquor included
- No medical expense coverage
- Waiver of Subrogation endorsement: Not included
- Primary Noncontributory endorsement: Not included
Other Options
See here for a summary of our analysis of a dozen insurers.
Our Top Picks For Liability Coverage:
Be sure to check your venue’s insurance requirements before securing a policy!
SpecialInsurance.com
Starts at $160 for $1M/$2M GL coverage
Min. Damage to rented premises 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
Event Helper
Starts at $66 for $1M/$2M GL coverage, but the coverage and pricing change dramatically once the attendee size goes over 71 people
Min. Damage to rented premises limit: $1M, drops to $100,000 if greater than 71 people (yes, it’s complicated)
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No