Call/Text:  (212) 568-5700
Alpha Direct Agency LLC
  • Quotes
    • Commercial Quotes >
      • General Liability Quote
      • Business Insurance Quote
      • Workers Compensation Quote
      • Directors & Officers Liability Insurance Quote
      • Management Liability Insurance Quote
      • Technology Services Liability Insurance Quote
      • EPLI Quote
      • Ocean Marine Liability Quote
      • Drone Liability Insurance Quote
      • Cyber Liability Insurance Quote
      • Insurance Bond Quote
    • Auto Quotes >
      • Trucker's Insurance Quote
      • Auto Insurance Quote
      • TLC/Uber Insurance Quote
      • Internal Commercial Auto Form
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Life Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Trucker Questionnaire
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Pay My Policy
  • Insurance
    • Business >
      • Business Insurance
      • Insurance Bonds
      • Workers Compensation
      • Technology Services Insurance
      • Drone Liability
    • Vehicles >
      • Auto Insurance
      • TLC/Uber Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Life Insurance
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Refer a Friend
    • Newsletter Signup
    • Careers
    • Blog
    • News
  • Contact
  • Quotes
    • Commercial Quotes >
      • General Liability Quote
      • Business Insurance Quote
      • Workers Compensation Quote
      • Directors & Officers Liability Insurance Quote
      • Management Liability Insurance Quote
      • Technology Services Liability Insurance Quote
      • EPLI Quote
      • Ocean Marine Liability Quote
      • Drone Liability Insurance Quote
      • Cyber Liability Insurance Quote
      • Insurance Bond Quote
    • Auto Quotes >
      • Trucker's Insurance Quote
      • Auto Insurance Quote
      • TLC/Uber Insurance Quote
      • Internal Commercial Auto Form
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Life Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Trucker Questionnaire
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Pay My Policy
  • Insurance
    • Business >
      • Business Insurance
      • Insurance Bonds
      • Workers Compensation
      • Technology Services Insurance
      • Drone Liability
    • Vehicles >
      • Auto Insurance
      • TLC/Uber Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Life Insurance
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Refer a Friend
    • Newsletter Signup
    • Careers
    • Blog
    • News
  • Contact

Alpha Direct Agency LLC Blog

Fundraisers & Sporting Events & Conferences Oh My!

7/12/2015

0 Comments

 
Picture
New York City is a popular destination for events and our team insures it’s fair share of events happening all over this great city. So this summer, as you attend any event – Fundraisers, Sporting events, Concerts, and conferences, remember the liability exposures as you have a good time.
​
Whether a one day or multi-day event, the venue typically requires “Event Liability Insurance“.
Such a policy is really affordable and in many cases; regardless of the scope of the event, there is very little difference in the one-time premium. These policies are also typically non-refundable.
Here is a quick highlight of 5 of the coverages you can expect to have when you purchase an Event Liability Insurance:

General Liability insurance protects all parties involved in the event-the planner, venue, caterers (if listed as additional insureds), for losses due to bodily injury or property damage caused by the insured’s employees or agents. Venues generally require $1,000,000 of liability coverage.

Liquor liability insurance is sometimes necessary, especially if you are in a venue in which the bartenders are not covered . It provides coverage for injury arising from the uncontrolled behavior of an intoxicated person or accidental furnishing of alcohol to an underaged attendee.

Third-party damage insurance covers damages to a location while it is under your control, protecting you from having to pay for repairs.

Cancellation insurance will protect you in case of unforeseen situations such as inclement weather, including hurricane, if a venue is deemed unusable, or something else that requires you to cancel an event. This helps you cover many of the costs and deposits already paid.
​
Terrorism insurance (optional) while not as likely as someone getting injured at an event,  In this day and age, terrorism insurance should be considered; it is specifically excluded under a policy package unless you purchase it.
​
Worker’s compensation provides medical benefits and salary compensation to your employees for injuries sustained while in your employment so if your company is hosting the event and putting employees to work, remember that the Organization’s Workers Comp policy is in use at the event.

I have seen many venues around the city require Hired/Non-owned Auto Liability in other words the truck used by your caterer to deliver food and drinks and ice any related injury to third parties or damage to their property need to be insured. Make sure to require evidence of their Commercial Auto Liability and ask to be placed as an additional insured temporarily for the event.

Lastly, be advised that despite the range of coverages listed above, an event Liability insurance is not a panacea for all mishaps, for instance organizers and promoters are still exposed financially including contractual liabilities, lost revenues and ticket refunds. For these exposures there is Contingency Insurance which also has to be purchased separately.
​
So as you get dressed this summer for different festivities remember the policy that helps make these events happen. And if you need a quick quote for an upcoming event, reach out to us at 212-568-5700 or visit our event website at http://www.alphadrct.com/ to see a list of the types of events we insure.
0 Comments



Leave a Reply.

    Contact Us

    (212) 568-5700
    5030 Broadway
    Suite 681
    New York, NY 10034
    Click Here to Email Us

    Archives

    April 2022
    February 2022
    June 2020
    September 2018
    May 2017
    February 2017
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015

    Categories

    All
    Business Insurance
    Cyber Liability
    Home Insurance
    Insurance
    Local
    Long Term Insurance
    Safety
    Workers Compensation.

    RSS Feed

Licensed in New York, Georgia, New Jersey, Connecticut, Delaware, North Carolina, South Carolina, Florida,
​Washington DC, Tennessee, Texas, Masachussets, Michigan, Maine, Maryland, Ohio, Pennsylvania, and Virginia.

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect with Us

Newsletter Signup

Share This Page

Uptown Office

Alpha Direct Agency LLC
5030 Broadway
Suite 681
New York, NY 10034
(212) 568-5700 (Call/Text)
Click Here to Email Us

Other Locations & Hours

Location