EVENT INSURANCE IN WORCESTER, MA

Some broad protections that many hosts elect to include in their event liability insurance policies are:

• General Liability Coverage, which may cover a range of common accidents
• Product Liability Coverage, which may cover incidents caused by products offered at an event
• Liquor Liability Coverage, which may cover alcohol-related incidents at an event where adult beverages are served
• Automobile Liability Coverage, which may cover vehicles that are used for an event
• Spectator Liability Coverage, which may cover any injuries spectators sustain

Some examples of more specialized protections that certain hosts might want to include in their event liability insurance policies are:

• Medical Malpractice Coverage, which may be needed if first aid is offered at an event
• Animal Liability Coverage, which may be needed if live animals are used during an event
• Aircraft Liability Coverage, which may be needed if aircraft is used during an event

These are just a few examples of the many different coverages that are available through event liability insurance policies. In most cases, hosts can find coverage for almost any activity they have planned. If coverage isn’t available, hoses likely ought to reconsider what they have planned – it may be unwise or unsafe (not to mention potentially illegal).

Do Event Liability Insurance Policies Include Property Protections?

Event liability insurance policies normally don’t include property protections, which generally protect physical property against covered perils. This coverage would usually be superfluous in an event policy, because property that’s used in an event is usually already covered by another policy. Hosts should already have property policies for property they own, and companies that rent items usually have property policies for those items.

(Event policies frequently do include liability coverage for rented or borrowed equipment, but this typically isn’t written as a property policy. It’s a specialized form of liability insurance that normally protects hosts in the event they’re responsible for damaging any rented or borrowed equipment. This coverage usually doesn’t provide protection against fire, hail, wind or similar perils.)

Who in Worcester, MA Needs an Event Policy?

Almost any organization or individual who is hosting an event in Worcester, MA ought to consider getting an event policy. This includes hosts who are local to the Worcester, MA area, as well as hosts who are from other parts of the state or even out of state. Without insurance, a single incident could lead to a significant liability lawsuit that the host is unprotected against.

How Can Hosts Get Event Insurance Policies?

For help finding event insurance, hosts should contact an independent insurance agent from The Feingold Companies. Our independent agents will be able to help assess what coverages an event calls for and assist with finding an affordable policy that provides those coverages.