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TAG | event liability insurance

Property, General Liability and Event Liability Insurance for Social and/or Service Organizations 4.50/5 (90.00%) 2 votes

Social and Service Organizations are generally very active in their communities.  Many events are frequently hosted both on and off property owned by the organization, necessitating insurance to protect that organization in the event of unforeseen circumstances.

If you are a founder, director, or board member of a Social or Service Organization, it is important that your organization hold insurance to cover property, general day-to-day operations, and events.  Insurance protects organizations from the unexpected and helps guarantee the organization’s future.

The Hit Zone Our highest hit radio

* No losses or circumstances in the past five years

* Classes include but are not limited to:

•     Abused Adult Shelters (Battered Women)

•     After School Tutoring

•     Animal Shelters/Rescue Groups

•     Anxiety Counseling

•     At Risk Youth Counseling

•     Big Brother/Big Sister Organizations

•     Botanical Gardens

•     Boys & Girls Clubs

•     Career & Vocational Counseling

•     Caregivers (Non-Medical)

•     Child Care

•     Community Centers

•     Conservation Groups

•     Counseling & Referral

•     Counseling for Eating Disorders

•     Credit Debt Counseling

•     Crisis Intervention (Non Suicide)

•     Food Banks/Soup Kitchens

•     Gay/Lesbian Services

•     Government Assistance Services

•     Group Homes – mildly handicapped adults

•     Halfway Housing

•     Healthcare Clinics

•     Historical Societies

•     Homeless Shelters

•     Horticultural Societies

•     Hospices

•     Job Placement Services

•     Learning Disorder Services

•     Parenting Education

•     Pregnancy Help Centers

•     Prison Families Support Services

•     Psychologist Services

•     Reading Programs

If you do not see your organization here, this type of policy can still cover your property, events, and general operations.  Contact a Boardwalk Insurance Group representative to see if your organization qualifies.

Eligible Risks

•     Any class not listed as ineligible

•     No more than two claims in the past 5 years for any one line of business

Product Advantages

•     Separate limits of liability for D&O and EPL claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)

•     Full prior acts coverage for D&O and EPL coverage

•     Unlimited Defense outside the limits

•     Lifetime Occurrence Reporting Provision for the former Directors & Officers

•     Third party sexual harassment and third party discrimination coverage

•     Separate limits of liability for General Liability/Professional Liability (E&O)/Abuse  & Molestation.

•     General Liability/Professional Liability (E&O)/Abuse & Molestation written on an Occurrence form

•     Contingent Professional Liability for specific medical professional

•     Property written on Special Form

•     Special Events Coverage available

•     Hired and Non Owned Auto Liability coverage available

•     Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress

•     Optional Value Plus Endorsement

•     Optional Equipment breakdown – includes free boiler inspection if required in your jurisdiction

•     No General Liability deductibles

•     Admitted Product available in most states

•     Security of an insurance carrier rated A++ by A.M. Best

Available Limits

Directors & Officers

•     Up to $5,000,000 for D&O and EPL. The EPL limit may not exceed the D&O limit

Liability

•     General Liability: $1,000,000

•     Molestation & Abuse: Up to $1,000,000 each claim

•     Professional Liability: $1,000,000/1,000,000

Property

•     Up to $3,000,000 Total Insured Value (TIV) when no habitational and risk is located in a Protection Class 1-6 zone.

•     Up to $1,000,000 when no habitational exposure and risk is located in a Protection

•     Class 7-10 zone. If habitational exposures exist, TIV cap is $500,000

•     Maximum Property value of $500,000 per location for Coastal Zone accounts

Umbrella

•     Up to $5,000,000 limit

If you are involved in a Social or Service Organization and want to ensure your organization holds adequate insurance coverage while saving money, you should contact a representative at Boardwalk Insurance Group.  This independent agency will take the time to learn the risks associated with your organization, whether concerning owned property or events in the community.

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Insurance for Churches, Mosques, Synagogues, Temples and Other Religious Institutions 3.50/5 (70.00%) 2 votes

Unfortunately, religious institutions are susceptible to an increasing number of risks resulting in monetary damages.  Having the right insurance policy in place can help protect your non-profit organization.
Here are the Coverages Your Organization Should Carry:
•    Commercial General Liability Insurance
•    Commercial Property Insurance (if the organization owns real property)
•    Directors and officers Liability Insurance
•    Employment Practices Liability Insurance
•    Special Events Liability Insurance
•    Special Religious Property Coverage which includes the unique exposures associated with religious facilities such as coverage for organs, pulpits, baptismal fonts, pews, stained glass, arks, tabernacles, etc.
•    Money & Securities with the ability to increase your limit on select days when offerings are larger
•    Members and Volunteers should be included automatically as additional insureds
•    Licensed Day Cares and Preschools included if necessary

Boardwalk Insurance Group is an independent insurance agency specializing in a variety of commercial insurance programs through its network of insurance companies and insurance brokers.  Their specialty package for religious institutions, in addition to what’s listed above, includes the following:

o    Money & Securities Coverage
o    Employee Dishonesty Coverage
o    Spoilage Coverage
o    Accounts Receivable Coverage
o    Valuable Papers Coverage
o    Sewer Back Up Coverage
o    Personal Effects Coverage
o    Clergy and Counseling Professional Liability
o    Hired and Non-Owned Auto
o    Employee Benefits Liability
o    Directors and Officers Liability
o    Employment Practices Liability
o    And many more…

This Program is Specifically Designed For:
•    Churches / Tenant Based Church
•    Mosques
•    Synagogues
•    Temples
•    Other Religious Institutions

Coverages Limits Generally Include:
•    General Liability – up to a $3,000,000 limit
•    Property (Buildings, Business Personal Property, Business Income, Equipment Breakdown)- up to $2,000,000 per location.
•    Sexual Molestation  – up to $200,000 Limit

Coverage is placed through A+ rated insurance companies and higher limits are available upon request.

Boardwalk Insurance Group services are 100% free of cost to you so why not submit an application today and find out for yourself?  Quotes can be obtained in as little as 48 hours in most cases.

 

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Event Liability Insurance for Weddings and Special Events 4.50/5 (90.00%) 2 votes

Are you in need of event liability insurance policy for a special event?  Let Boardwalk Insurance Group help find the right insurance company for you.
Many banquet facilities, hotels, convention centers, parks, country clubs, night clubs, concert halls and other venues require event hosts to carry some type of special event insurance these days.  From weddings to fundraisers to concerts to parties with alcohol, some type of insurance is requested to protect not only the property owners, but the hosts themselves from claims that may arise.

Some examples of event insurance claims which have occurred:

•    Property Damage: Facility walls were damaged when children smeared chocolate from the chocolate fountain.

•    Property Damage: A guest spilled an entire glass of red wine on the carpet.

•    General Liability: Five guests became sick from eating spoiled food from an outside caterer. They are seeking coverage for their medical payments.

•    General Liability: The bride’s cousin fell on the dance floor and broke her leg. She is seeking coverage for her medical bills.

•    Liquor Liability: The bartending service hired to serve alcohol at the wedding negligently served alcohol to an intoxicated or underage person.

Liquor Liability insurance coverage is crucial if the event you are hosting will be serving alcohol.  It makes no difference if you are utilizing a cash bar or providing an open bar service for your guests.  Either way, there is serious exposure to you and the facility.  If the venue or 3rd party service they use to cater alcohol states they have their own coverage, you must make sure that they provide you with a certificate of insurance for your particular event dates/times and also list you or your organization on the policy as an additional insured.

The banquet hall may be held liable for the actions of those selling or serving alcohol at the wedding.  It may cost thousands of dollars in defense costs to prove you are not liable for a liquor liability claim and you can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.  It’s just not worth the trouble so you must make sure adequate coverage is already in place or you should purchase your own.

Boardwalk Insurance Group provides special event insurance coverage for all types of events at all types of venues.  Our typical event policies include:

•    General Liability and host liquor liability coverage with separate limits (important if there are multiple large claims)
•    Coverage for property damage caused to the rented banquet hall facility
•    Medical payments coverage
•    Food and beverage product liability
•    No general liability deductible
•    $1,000 sublimit for lost deposits (cost to reimburse for a lost deposit if a vendor goes out of business, declares bankruptcy or fails to show up) included at no additional charge
•    Up to three additional insureds including the banquet hall facility owner can be included for no additional charge
•    No deductible
•    Defense Costs are outside of the policy limits
•    Limits of  $1,000,000/$2,000,000 available

Quotes can be provided within 24 hours of submitting a completed application.  Premiums for events can range anywhere from $250 to $10,000 per day.  Factors considered in determining costs include the type of venue, type of event, number of people attending, if the event is free or paid, if any celebrities will be in attendance, if alcohol is being served, event timings, etc.

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