Where is my certificate?  I purchased a policy and can’t find my documents!

The most common problem is the spam filter in an email program.  Make sure your documents aren’t in the Junk file in your email program.  If you cannot find your documents, please return to the home page of our website and look for the section titled ‘Take me to my insurance documents’.  With your PayPal Transaction ID or certificate number and email address, you can log into your policy information and retrieve your documents.

How can I make a change to my certificate?

You can return to our homepage and locate the box titled ‘Take me to my insurance documents’.  With your PayPal Transaction ID or certificate number and email address, you can log into your policy information and make a change to your certificate.  Note that each certificate you’ve requested (even those you no longer need) will be there, so please double check any certificate you print.

Changes to dates, insured information and addition of wording in the ‘Description of Operations’ box must be done manually, please send such requests to marc@theeventhelper.com.

How can I add an additional certificate/additional insured to my policy?

You can return to our homepage and locate the box titled ‘Can Take me to my insurance documents’. With your PayPal Transaction ID or certificate number and email address, you can log into your policy information and add an additional certificate.  Note that each certificate you’ve requested (even those you no longer need) will be there, so please double check any certificate you print.

Changes to dates, insured information and addition of wording in the ‘Description of Operations’ box must be done manually, please send such requests to marc@theeventhelper.com.

How can I get a quote?

Visit our homepage and begin the quote process in the Instant Event Insurance Quote.  You are under no obligation to buy no matter how much data you provide.  The 4^th step of the process will summarize the quote, show limits and exclusions, as well as final pricing. 

Who is the insurance company for this policy and what is their rating?

The insurance company has an ‘A XII’ rating and writes business in all fifty states; your policy is underwritten by an insurance broker also licensed to do so.

How do I choose the correct Event Type?

Use your best judgment, however, please note that if you misrepresent your event (for instance, calling it a Talent Show when it is actually a Rap Concert), should there be a claim, your coverage will be void and you will have wasted your money – and you’ll likely be personally liable for the claim.  If you have any questions as to your Event Type, please contact us at info@theeventhelper.com.

What are the coverage limits for my policy?

Each occurrence - $1,000,000

Personal & Advertising Injury - $1,000,000

General Aggregate - $2,000,000

Products/Completed Operations - $2,000,000

Tenant Legal Liability - $100,000

Medical Expense - $5000

Can I change the coverage limits for my policy? 

At this time, we do not offer more than $2,000,000 in aggregate coverage.  We do not offer lower limits as we have secured these higher limits at the minimum price level.

I don’t need Host Liquor Liability coverage, can I remove that?

No, and there is no need to remove it, because, even at alcohol-free events, if someone sneaks in alcohol, you could be liable.

What is Host Liquor Liability?

Host Liquor Liability is the coverage for event holders who may be responsible for the service of alcohol.  This coverage will not apply in cases where alcohol is sold.  The liability transfers from the drinker to the host when the drinker shows signs of intoxication and then is served, or allowed to serve themselves, more alcohol.  If someone has one drink and causes damage to themselves or others on the way home, it is that person’s personal responsibility 

What is a Waiver of Subrogation?

A Waiver of Subrogation is an endorsement to your event policy that prevents our company from seeking compensation for paid claims from the venue’s insurance policy.  As such, you should purchase this only if the certificate holder requires it. 

What is a general aggregate?

The general aggregate is the maximum amount to be paid out on all claims, combined, arising from your event. 

Can I apply for coverage over the phone?

You may call for a quote, but we have the entire process automated online in a do-it-yourself format.  We do this because it allows us to have the lowest rates of any similar coverage program anywhere.

Can I apply for coverage online and then pay by check or cash?

We can accept applications and payments outside of our website on a very limited basis and for only certain types of events.  If you don’t have internet access, a credit card or a PayPal account, please contact us for options. 

How do I determine how many days my event is?

Count the number of calendar days on which event activities are held – even if for only an hour or two.   For example, if an event starts at 10 PM and goes past midnight you will need to select 2 coverage days.

 My event is several days long – is the estimated attendance the number of attendees each day or a total for the whole event?

Your estimated attendance is the total number of attendees combined for all days of your event. 

I have more than 5,000 attendees.  Can I still purchase this insurance?

Please contact us at info@theeventhelper.com with a description of your event to help us determine if we can write your event.  We have the periodic ability house to write events up to 10,000 in attendance, provided they meet set criteria.

I have been asked by my venue to add them as an ‘additional insured’.  What does that mean?

An additional insured is an entity which has an insurable interest on claims arising out of your negligence as the named insured.  Common additional insureds are the owner, landlord, manager or tenant of a venue.  By providing an additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

The entity you indicate into Section 2 automatically becomes the first certificate holder and additional insured.  If you need more, you can add an additional insured during the initial information process.  Simply click the ‘Add Certificate’ button at the end of Section 2.  If you have already purchased your policy, you can add a certificate/additional insured by going to the ‘Can’t Find your Docs?’ box and logging into your policy and following the instructions.

What does the term ‘replacement cost’ value mean?

Replacement cost means that the value of covered property will be based on the replacement cost at the time of loss without any deduction for depreciation.  It is limited to the cost of repair or replacement with similar property and used for the same purpose.

Do you offer payment plans?

No, we do not. 

My event happens once a week for an entire year.  Is it insurable through your program?

Yes.  Please select 52 as your Number of Days.  You will be required to indicate each date on

which the event is taking place.

I completed the quote information but when I clicked the Continue to Finalize Quote button, it returned me back to the quote instead of the payment page – why?

If you are returned to the quote page, please check if the mandatory fields are completed.  This is the most common quote error.  Any errors will appear in red on the top of the page.

My online payment failed, what do I do?

If your payment fails you have a choice to try again.  The most common reason for payment failure is a keying error or incorrect billing address of card.

Can someone else pay for my insurance?

Yes, just have their credit card information handy for your purchase – number, expiration date, CVC code, name on the card and billing address.

Can I cancel my policy and get a refund?

No, policies are non-cancellable and no refunds are issued. 

Can my policy be pro-rated if the number of days of my event changes?

No, there are no refunds.

How long does it take to get my confirmation of insurance?

You get access to your insurance documents instantaneously.

The certificate shows policy dates that are different than my event dates.  Why?

Your event dates are located in the bottom box of the Coverages section.  If this information is correct, you are covered. 

What will my insurance certificate show?

• Your name & address
• Your certificate number
• Your effective dates
• Your coverage limits
• Your additional insured names (if applicable)
• Our agents and contact information (in case of a claim)
• Our company name & address

Why can’t I get insurance through my own agent?

Have your agent contact us at info@theeventhelper.com.  We can sign up agents with the ability to sell our product to you, that way you get a trusted resource on your side AND the lowest event liability rates and best coverage anywhere.