Insurance Definitions
The person applying for insurance.
The name of the person completing this request.
The address where you event will be held.

The amount of money available to be paid to others including medical bills for loss resulting from your negligence.

  • Each Occurrence – The maximum amount we will pay for any one event that results in a covered liability claim.
  • General Aggregate – The maximum amount we will pay for all events during the policy period that result in covered liability claims.
The amount of money available to be paid to others as a result of negligence from the sale or service of alcohol. Provides protection 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.
Damage to someone else’s property resulting from your negligence.
A mental or physical injury sustained by a person.
Coverage for reimbursement if a bridal party member’s attire is damaged.
Coverage for reimbursement for deposits that you have paid if they become nonrefundable because someone you hired to provide goods or services went out of business.
Coverage will pay to retake the photographs or video recording if the photographer/videographer fails to appear, disappears after the wedding with your wedding pictures or video, or the pictures are lost damaged or stolen.
Coverage for the cost to repair or replace your gifts if they are stolen or damaged during the event.
Coverage for the loss or damage to the jewelry purchased and exchanged by the bride and groom on their wedding date or within seven days prior to the event date.
Coverage for the nonrefundable expenses incurred due to the cancellation or postponement of your wedding or reception.
Coverage pays reasonable medical expenses for each person who is injured during covered events from a covered cause of loss.
Coverage for adding the facility or venue for where the event is being held on your liability insurance policy. In some cases, this coverage may be required by contract.
Coverage for adding a person or entity to your liability insurance policy who has an insurable interest in the event. This may include, but is not limited to, a co-sponsor, organizer or city or local ordinance. In some cases, this coverage may be required by contract.
Coverage for adding a person or entity that will be lending their equipment to the applicant during a covered event on your liability insurance policy. In some cases, this coverage may be required by contract.
Coverage for adding the facility, venue, city, town or municipality for where your event will be taking place. In some cases, this coverage may be required by contract.
Coverage that transfers liability from an event that is cancelled due to inclement weather to a previously scheduled date.
Liability coverage for the additional dates for setting up for the event or taking down of the event.
Liability coverage for the bridal dinner party that occurs days prior to your wedding reception.
Coverage that prohibits the insurance company from taking action or seeking recovery for damages already paid to the insured against a third party.
In certain situations, multiple liability insurance polices may have a duty to respond to a claim on behalf of the named insured. This form provides the obligation to respond first in the event of a claim made by the insured. In some cases, this coverage may be required by contract.
A number of claims may result from a single incident. The common cause is the most an insurance company will pay for a claim regardless of the demand by all those who file a claim.
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Underwriting Companies