special event liability Insurance FAQ's
SPECIAL EVENT LIABILITY INSURANCE FAQ's
What is Special Event General Liability Insurance?
Special Event Liability Insurance (also referred to as CGL, Commercial General Liability) provides protection for situations in which an event holder, exhibitor, concessionaire or vendor must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. Host Liquor Liability coverage is included. This policy may also provide protection to the venue by the attachment of an Additional Insured endorsement, when required.
My venue has asked for a certificate of insurance with them added as an Additional Insured. What does this mean?
When holding a special event, you will most likely be required to provide proof of liability insurance in the form of a Certificate of Insurance to the facility or venue at which the event is being held. A Certificate of Insurance is a document that details the type of insurance coverage, the insurance company providing the coverage, and the dates and limits of coverage for your organization.
In addition to providing proof that you've secured Liability Insurance, you may also be required to add the facility/venue as an insured to your policy. They will be named as an Additional Insured.
When you purchase Event Liability Insurance, an Additional Insured endorsement and Certificate of Insurance will be issued. You can customize the certificate with the venue's name and location.
My venue has specific wording to be added to the certificate of liability. Can Event Liability Insurance accommodate this?
If your venue has specific wording to be added to the certificate, you can provide the required language during the application process or call R.V. Nuccio & Associates, Inc. at 1-800-364-2433 for approval.
Which types of events are covered?
RVNA's Event Insurance available to purchase online at specialeventinsurance.com insures hundreds of event types, both private and public. When you complete an online quote on their website you will select your event type. If your event is not listed then you can contact R.V. Nuccio & Associates, Inc. directly at 1-800-364-2433.
View a quick list of RVNA Event Insurance eligible events
What is an event holder?
The event holder is the person, organization or entity responsible for the organization and promotion of the special event and typically the signer of the Facility Use Agreement.
What is a vendor/exhibitor/concessionaire?
A Vendor, Exhibitor or Concessionaire is a person or firm that operates a business within the premises belonging to another under a concession, usually as the seller of certain goods or services during a short duration special event such as a carnival, convention, concert or flea market. An example of a concessionaire would be a jewelry concession, a food concession or an artwork concession.
What limits of insurance are available?
Various Policy limits are available including $1 million per occurrence/$2 million annual aggregate. Go to specialeventinsurance.com to get a quote online to view all options and pricing. You can purchase instantly.
What are the insurance coverages available for Event Liability Insurance?
Coverages available under RVNA's Event Liability Insurance include:
• General Liability (Bodily Injury/Property Damage)
• Care, Custody or Control Liability (Third Party Property Damage)($2,500 Deductible)
• Collapse of Temporary Structure Liability
• Contractual Liability
• Damage to Premises (Fire Legal Liability)
• Hired and Non-Owned Auto Liability
• Liquor Liability
• Medical Payments
• Terrorism
• Third Party Property Damage (Care, Custody or Control Liability)($2,500 Deductible)
• Waiver of Subrogation
Who is protected under a Special Event General Liability Insurance policy?
The RVNA Event Liability Insurance policy protects the person, organization or entity who purchased the policy (Named Insured). The facility or venue can also be added as an Additional Insured, when required.
How do I purchase a Special Event General Liability Insurance policy?
To purchase a policy just click the Quote & Buy Online button at the top of this page.
Can I purchase over the phone?
Yes, you can purchase a policy with a R.V. Nuccio & Associates, Inc. customer representative over the phone M-F 8:30am – 5pm Pacific Time by calling 1-800-364-2433.
Which methods of payment are accepted?
RVNA Event Insurance accepts MasterCard, Visa, Discover and American Express.
Does the policy cover alcohol-related accidents?
To protect against alcohol-related accidents, a policy purchased at specialeventinsurance.com includes Host Liquor Liability. For an additional premium, you can purchase Liquor Liability for covered events that sell alcohol or product/service packages that include alcohol. If you have any questions, contact R.V. Nuccio & Associates, Inc. directly at 1-800-364-2433.
What is Host Liquor Liability?
Host Liquor Liability coverage is included within the RVNA Event Liability Insurance policy, which provides legal liability protection for the event holder, concessionaire, exhibitor or vendor against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted. Host liquor liability only protects you if no money changes hands for the sale of alcohol or a product/service package that includes alcohol. If you sell alcohol or a product/service that includes alcohol, make sure to purchase the Liquor Liability coverage option.
What is liquor liability? Do I need it?
Liquor Liability is an optional coverage you can purchase at specialeventinsurance.com if you sell alcohol at your event. It is also needed if you are selling a product or service package that includes alcohol. This type of Liability Insurance provides coverage for bodily injury or property damage for which you may be held liable by reason of: causing or contributing to the intoxication of any person, or violating any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.
How far in advance must I purchase a Special Event General Liability Policy for my event to be covered?
A Special Event General Liability Policy must be purchased at least 24 hours before your event starts. It can be purchased up to 1 year in advance of the event date.
Where can I view a Sample Policy?
You can view a sample policy here on our website.
How do I get a copy of my insurance policy?
When you purchase the policy you are prompted to print your documents immediately. In addition, you will receive an email instantly with all of your documents attached in PDF format. You can also log in to your account at specialeventinsurance.com at any time. Sign In Now
How do I make changes to a policy?
All changes to your policy must be requested in writing. Please email your change to RVNA Event Insurance at customercare@specialeventinsurance.com. Once they receive your request a customer care representative will process the change . Once the change is complete, you will receive an email with a change endorsement and corrected documents.
Where and how do I register to get a username and password?
Click on the Quote & Buy Online or Sign In links at the top of this page.
I forgot my username, what do I do?
Please call 1-800-364-2433 M-F 8:30am–5pm Pacific Time.
Is my information secure when I purchase an Event Liability insurance Policy from specialeventinsurance.com?
Due to strict insurance regulations your privacy and security is first and foremost priority for specialeventinsurance.com. They do not provide your information to third parties. They encrypt sensitive information using secure socket layer technology to protect your data.
What is your cancellation/refund policy?
You must provide your request to cancel, in writing, at least 48 hours prior to the covered event directly to R.V. Nuccio & Associates, Inc. in order to receive a full refund of the policy. Please send all requests directly to customercare@specialeventinsurance.com and include your policy number, insured name and date of covered event.
Is there an Annual Event Liability Policy available?
RVNA Event Insurance policies are for one event lasting no more than 10-day in length periods only.
Does the policy have a deductible?
There is a $2,500 Property Damage deductible.
How do I report a claim?
You should contact the program administrator, R.V. Nuccio & Associates, Inc. 1-800-364-2433 (Toll Free) to assist you in the handling of any claim.