One of the most common inquiries we get starts with "Can I get event insurance?" You probably would not expect this to cause confusion, but it can! This is because the phrase "event insurance" is used to describe two completely different types of policyholders. Let's break down the differences!
Single event coverage (you are participating in the event)
If you are a performer or vendor who has been hired to work at an event, you are most likely looking for a Single Event (SE) Commercial General Liability (CGL) Policy, such as those offered through our website. Alternatively, if you know you are working at multiple events, you can purchase annual coverage. CGL policies protect you (or your business) against claims arising from your operations, such as bodily injury to a patron, property damage, or offending someone. Please note that personal injuries you may sustain are NOT covered by CGL.
A few examples of these operations include:
- A face painter working at a community festival.
- A food vendor selling at a farmers' market.
- A band performing at a local brewery.
- A henna artist hired for a company party.
- A fire performer working at a Renaissance festival.
- A kettle korn booth selling at a county fair.
SIA's SE Policy can insure you for one event lasting up to 10 days. The 10 days can either be consecutive, or you can give the exact 10 dates (such as a Renaissance festival only operating on weekends). SE coverage cannot be used for multiple unrelated events simply because they occur within the same 10-day period. The SE Policy is a great option if you only have one upcoming booking, or if you are just getting started!
What if you book more events?
Good news! If you decide you would rather have annual coverage, your Single Event (SE) Policy can be upgraded within 30 days of your SE Policy's effective date. To upgrade, simply give the office a call. You will need to pay:
- The difference between the SE and annual premiums.
- A $10 administrative fee.
- A 3.25% credit card processing fee (unless paying by check).
- If you are paying by check, please remember that coverage cannot begin until payment is received. We generally recommend allowing 1.5-2 weeks for mailed payments to arrive.
Your annual policy will expire one year from your SE Policy's start date.
Event coverage (you are hosting the event)
When you are the host of an event, coverage is something entirely different. Instead of coverage for a performer or vendor, this policy helps protect the event organizer against claims arising from the operations of the event as a whole. Think of events such as:
- A block party.
- A farmers' market.
- A craft fair.
- A festival.
- A community celebration.
- A nonprofit fundraiser.
Because every event is unique, coverage needs can vary significantly depending on factors such as, but not limited to, attendance, sales, activities, location, and duration. If you are looking for event coverage, SIA may be able to help. Please send inquiries via email to info@specialtyinsuranceagency.com.
Does the event's policy cover everyone?
While having one policy to cover both the event itself and the performers and vendors who are hired is great in theory...unfortunately, it is not how insurance always works. Just because an event carries its own insurance does not automatically mean the performers and vendors are covered, too.
Typically, those hired to work at events are independent contractors, not employees of the event. Many event policies will specifically exclude coverage for independent contractors, meaning they are generally responsible for carrying their own coverage. This also helps protect the event. If a claim arises from an independent contractor's operations, the event may be able to pass that claim to them, instead of filing it on their own policy.
Depending on the event, independent contractors may also be asked to provide:
- An additional insured certificate.
- Some events may also require additional endorsements such as the Primary/Non-Contributory endorsement or the Waiver of Subrogation.
- Supplemental coverages the event may require.
- If you are ever confused by contract requirements, check out this blog or contact the office.
Different events have different policies, but it should always be clearly communicated to you what you are required to provide. When in doubt, do not assume the event's insurance covers you just because you are participating. It is always worth asking exactly what coverage you are expected to carry.
Still not sure?
Insurance can be confusing, especially when phrases like "event coverage" are used to describe two different things. Here is a quick way to think about it:
- If you are hired to work at an event, you likely need a single event (or annual) Commercial General Liability policy intended for subcontractors (such as a performer or vendor).
- If you are hosting the event, you likely need event coverage.
If you are unsure which type of policy fits your situation, don't worry. That is what we are here for! Just give us a call at 715-246-8908 or send an email to info@specialtyinsuranceagency.com.
