This program is specifically designed to provide commercial general liability insurance coverage for professional event planners. Inland marine coverage is also available as an option to provide protection for direct loss or damage to the event planner's office supplies, equipment, furnishings, improvements and betterment, sign and non-structural glass. This coverage does not provide event liability coverage.
Commercial general liability coverage protects the insured against covered liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, and personal and advertising injury. No deductible applies to liability claims. Coverage is limited to the provision of professional event planning services.
Inland marine (optional) provides coverage for direct loss or damage to your supplies and equipment, funishings, improvement and betterments, sign and non-structural glass. Coverage is subject to a $1,000 per loss deductible. You must insure the full replacemenet cost to avoid a co-insurance penalty at the time of loss. If your total insured value exceeds $100,000, you will be subject to a higher deductible and an inventory list may be required.
Fee-based professionals or businesses, domiciled in the United States, that plan, organize, coordinate and/or arrange public or private events and social gatherings for others.
| COVERAGE | OPTION 1 LIMITS |
OPTION 2 LIMITS |
|---|---|---|
| General Aggregate (other than products-completed operations) | $2,000,000 | $2,000,000 |
| Products-Completed Operations Aggregate | $1,000,000 | $2,000,000 |
| Each Occurance | $1,000,000 | $2,000,000 |
| Personal and Advertising Injury | $1,000,000 | $2,000,000 |
| Damage to premises rented to you | $300,000 | $300,000 |
| Medical Expense (other than participants) | $5,000 | $5,000 |
Notable Exclusions - Abuse or molestation, Amusement devices (including but not limited to any mechanical or non-mechanical rides, slide, pony rides, or inflatables), Asbestos, Employment-related practices, Fireworks, Fungi or bacteria, lead or Nuclear energy.
