I am the organizer of an event that takes place every 3 months where hobbyists and providers spend several hours together. Hobbyists pay a fee and providers are paid a fee.
Because I am organizing this event in a venue that is not a private residence I have to purchase an insurance policy for general liability and host liquor liability.
My questions are:
- Can I obtain a permanent policy that will cover me regardless of location and venue or do I need to obtain an "event specific" policy.
- What type of attorney would I contact about obtaining an opinion on my party in general?
General Liability is for business -- if you do not anticipate any monetary gains from organizing these events alone, then it wouldn't be a business to you. Then, it maybe a matter of personal blanket liability coverage. Check out whether the personal liability coverage meets your needs.
most of these policies are event specific and cover hours before, during and a few hours after event. There are special agents who handle this, although some insurance agents might. However usually the locale where you are having the event will guide you to an agent who meets their approval and has handled this situation for them in the past. A blanket policy may exist to cover a variety of events and locations, but I doubt it and it would be prohibitively expensive, but ask the agent. My concern about this sort of event is not liability insurance but whether you might be charged with aiding or assisting/facilitating of prostitution as a result of bringing these factions together.
insurance insofar as any event policy will require you to describe the event.
If you describe it as a TER meet and greet, that puts the insurer in the position of having to evaluate the legality on the event - plus there will be exclusions for various illegal conduct.
If you describe the event as a mere social get together, then you've made a material misstatement that will void the policy.
You can buy one policy with Liquor Legal Liability added on to cover all 4 events in one year.
Policy can be obtained via any independent agent.
Owner of public venue would have to be added as an additional insured. You would have to submit "certificate of insurance" to each owner as proof of coverage. Owners in turn submit these to their insurance carriers.
Information you have to provide to agent basically includes:
1) type of event 2) location of event 3) duration 4) number and average age of guests (for liquor liability) 5) name of venue owners 6) information on any entities servicing your event. Such as caterers, drivers, etc. These may be asked to provide their insurance and name you as additional insured as well as venue owners.
It is cheaper to obtain one policy covering 4 events rather than 4 individual policies. They only issue with arranging one policy is finding company authorized to do biz in all 4 states. But it is your agent's job.
A big thanks to everyone who posted a response. I found an agency that did the coverage specifically for the "event". It worked out just fine. The event was EPIC and went off with only a few hitches.
The on-site manager for the facility shook me down for $400 to keep his mouth shut. I wont ever be bringing this event back to New York so I don't think I'll have to deal with the shady characters I had to deal with this time.
I've actually decided that after the January 6th event in Las Vegas I will be keeping it here in San Francisco where things are just simpler and companies are alot more professional to deal with.
Unfortunately it looks like your attempt to purchase VIP membership has failed due to your card being declined. Good news is that we have several other payment options that you could try.
VIP MEMBER
, you are now a VIP member!
We thank you for your purchase!
VIP MEMBER
, Thank you for becoming VIP member!
Membership should be activated shortly. You'll receive notification!
