Considering SpecialInsurance.com for your event insurance needs? The below SpecialInsurance.com review was part of a broader analysis of over a dozen insurers.
Overall our SpecialInsurance.com review gave them a 4.5 out of 5 based on our analysis criteria found here. We would have given them a 5 out of 5 if coverage was available in all states.
What We Liked About SpeciaInsurance.com
SpecialInsurance.com by GBLI is one of the newer players in the space and their offering is very impressive.
- Starts at $160 for GL coverage with limits of $1M/$2M (occurrence/aggregate)
- $300,000 damage to rented premises included, with the option to upgrade to $500k or $1M
- Waiver of Subrogation and Primary Noncontributory endorsements are included in the price (see note below)
- No deductibles
- Host liquor liability included
- Online purchase experience is great on desktop and 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 is automatically added if the venue is known to them
- Sold directly by the insurer (no middlemen)
- Amazing sample policy feature
- Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required
- Coverage for set up and/or rehearsal dinner (the day before) and tear down and/or brunch the following day can be included for free
- Cannabis coverage available in some states (we could confirm availability in CA and NY)
- Residential properties seem to be okay
What We Didn’t Like About SpecialInsurance.com
- No options to remove the Waiver of Subrogation or Primary Noncontributory endorsements (we feel this could bring down the price)
- Need to call in to add Waiver of Subrogation (unless the venue is already known to them, in which case the system will add the endorsement automatically)
- Coverage not available in CO, DC, FL, GA, MA, VT, WA
- We question whether the $300K/$600K GL limit is even worthwhile offering considering $1M/$2M GL starts at $160 and most venue’s now require $1M/$2M GL to start anyways?
Lowest Cost Available
$119
- $300K/$600K (occurrence/aggregate) GL
- $300,000 damage to rented premises
- Host liquor included
- $5,000 medical expense limit
- Waiver of Subrogation endorsement: Included
- Primary Noncontributory endorsement: 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!
Our SpecialInsurance.com review really impressed us and is the best option if you need the Waiver of Subrogation and Primary Noncontributory endorsements. The only other carrier we can recommend is GatherGuard (if you don’t require those endorsements).
GatherGuard
Starts at $75 for $1M/$2M GL coverage
Min. Damage to rented premises limit: $250,000
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No