NOTE: This is where the name for the Event Organizer will be entered - This CANNOT be the name and address of the Location. The Location will be added later and will be named as Additional Insured. The Venue cannot be the Insured.

This cannot also be the address for the Venue and we cannot accept PO Boxes. **This is most likely going to be YOUR personal address**

Please provide an estimated cost.

Special Event Liability does not cover Contractors/Subcontractors such as those who might provide Security, Catering or Stage Rental. So in order to eliminate gaps in your coverage for which you could be held responsible, they should have their own Liability coverage in place. They should also name you as Additional Insured on their existing policy for the event’s duration.

Special Event Liability does not cover Contractors/Subcontractors such as those who might be hired to set-up a temporary stage. So in order to eliminate gaps in your coverage for which you could be held responsible, they should have their own Liability coverage in place. They should also name you as Additional Insured on their existing policy for the event’s duration.

A playlist is not considered, "live" music but if you hire a DJ who is performing their own original beats and compositions, then it WOULD be considered, "live music".

The genre of music CAN effect the premium so we need to know the style being performed.

If you are not profiting from the sales of alcohol, you won't need this coverage. Our policies all come with Host Liquor coverage, at no charge.

You cannot obtain Liquor Liability if there is no Liquor License in place.

If you are going to have a Licensed vendor selling and serving the alcohol, they must have their own Liquor License and Liquor Liability Insurance in place. They must also name our Insured (You) as "Additional Insured" for the duration of the event.

"By the drink" indicates that there is a charge. "Open Bar" indicates the drinks are complimentary to the attendees.

These policies do not cover Security operations, so the Insured cannot provide their own Security. A professional security firm will have their own Insurance, and must name the Organizer/Insured (you) as "Additional Insured" for the duration of the event. Security provided by the Venue, or the Police - are not subject to this requirement. NOTE: The Police cannot be the sole source of Security for Hip-Hop concerts.

These policies do not cover Security operations, so the Insured cannot provide their own Security. A professional security firm will have their own Insurance, and must name the Organizer/Insured (you) as "Additional Insured" for the duration of the event. Security provided by the Venue, or the Police - are not subject to this requirement. NOTE: The Police cannot be the sole source of Security for Hip-Hop concerts. We also realize that in some cases of small events, security is not required by the Venue.

Special Event Liability does not cover contractors, Subcontractors such as Security personnel. So in order to eliminate gaps in your coverage for which you could be held responsible, they should have their own Liability coverage in place. They should also name you as Additional Insured on their existing policy for the event’s duration.

The Industry Standard coverage for SE Liability is $1m per occurrence w/ $2m aggregate. Anything above these limits is considered, “Excess Liability”. Excess Liability gets expensive so in order to keep your Premium as low as possible, it is best to only request the amount being required by your Venue’s contract.

Most do not - Because Umbrella Coverage can get expensive. If your rental agreement does not mention this term, you do not need Umbrella Coverage.

Subrogation is the act of the Insurance Company suing the Venue on your behalf for damages that are not your responsibility. If your Venue requires a Waiver of Subrogation, it will increase your premium by $150 because it increases the likelihood of the Insurance Company having to pay a Claim for damages, even though they may have resulted from negligence other than your own. If your contract does not mention, “Waiver of Subrogation, then you should not request this because it is not in your best interest.

If I choose to cancel my general liability policy, I will be subject to a refund fee of $25.00 plus the full administration charges on my policy. In the very unlikely case www.directeventinsurance.com coverage terms do not meet my venue’s insurance requirements and cannot be amended to do so, I am eligible for a full refund of my policy price. No refunds will be issued after the commencement of the policy period. In order to receive a full refund of policy premiums, minus refund fee and full administration charges, the insured must provide: A statement from the Insured and each of their Certificate Holders (Additional Insureds) that mentions: 1. Date of the event that was insured, 2. Location of the event that was insured, 3. Detailed explanation why coverage for the event that was insured should be cancelled 4. A declaration specifically stating, “No claims will be filed against the Certificate that names me as an Insured/Certificate Holder”

I declare, under penalty of perjury, that I am not aware of any circumstances which may result in a loss under this policy, and to the best of my knowledge and belief, the information provided above is true and I have not withheld any material facts. I understand that any false information may void coverage under this policy. (Note: A material fact is one that is likely to influence the underwriter’s assessment of pricing and terms or acceptance of this application. I agree that should a contract of insurance be concluded, this application and the statements made herein shall form the basis of the contract. Specific information for residents in LA, ME, NJ, OH, PA, TN, and VA: Any person who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

This quote expires 30 days from the issue date listed and should be reconfirmed after that time. This insurance is subject to all of the terms and conditions of the policy which may be issued. The terms, conditions and provisions of the policy that is issued shall prevail as the final word as to the actual coverage. The quote is based upon email, fax, mail, web from submission and/or telephone advice from the potential customer and is being issued by Direct Event Insurance brokerage, LLC without any liability whatsoever as an insurer. The terms and conditions of this quotation may not be as broad as those requested on your submission. CAREFULLY READ all of the terms and conditions contained above. This quote may be withdrawn at any time prior to binding coverage.

Premiums and Fees are fully earned and there are no cancellations or refunds. I verify that the event hasn’t started. I verify that there are no claims before I purchase this policy. The following are excluded from this Policy: Aircraft, Animals (other than pet contests), Camping, Childcare operations, Food Vendors, Inflatables, Bounce houses, Knives/cutlery, Mechanical amusement rides, Motorsports, Open water exposure, paintball, rock climbing, rodeos, tattoo/body-piercing, temporary skating, skiing, or skateboarding structures/rails, Trail rides. Any and all professional liabilities. Assault, battery, or assault and battery. Communicable disease. Fireworks, Rides, Motorsports. Employment – related practices exclusion. Weapons exclusion. Worker’s compensation and similar laws. Participants exclusion. Absolute auto liability exclusion. Coverage limited to classification of event. Direct Event Insurance Brokerage, LLC reserves the right to conduct an audit on any coverage provided through its program.