Birthday Party Insurance

General Liability insurance protects against claims related to third-party bodily injury and property damage. Our standard General Liability coverage includes a blanket additional insured endorsement, enabling you to designate the manager, lessor, or owner of your event venue, as well as the city or local municipality, as additional insured parties at no additional cost to fulfill contractual obligations.

Standard Program Limits:

General Liability Aggregate $2,000,000
GL Products/Completed Operations $1,000,000
GL Personal/Advertising Injury $1,000,000
Each Occurrence $1,000,000
Damages to Premises Rented to You $100,000
Medical Expense Limit: $5,000
Blanket Additional Insured: Included (as required by written contract)

The standard general liability policy includes host liquor coverage at no added charge, which applies to third-party bodily injury or property damage claims associated with alcohol consumption, provided you are not engaged in selling or serving alcohol for profit at your birthday party. Typical scenarios include events with BYOB (bring your own bottle) or open bar events where attendees do not buy drink tickets or gain access to the bar through ticket purchases for the event.

An endorsement to the general liability policy that waives the birthday party insurance carrier’s right to seek compensation for losses from a negligent third party after paying a out a claim. May be included for an additional premium when required by written contract in favor of the manager, lessor, or owner of your event venue as well as the city or local municipality.

An endorsement to the general liability policy that designates the coverage as primary and non-contributory over other insurance policies held by the policy holder in favor of additional insured entity. May be added for additional premium when required by written contract in favor of the manager, lessor, or owner of your event venue as well as the city or local municipality.

If you or your business profits from selling or serving alcohol at the covered event, it is essential to have full retail liquor liability coverage included in your policy. This additional coverage is available for an extra premium on top of the base general liability policy.

Liability coverage that sits on top of the base $1 million per occurrence / $2 million aggregate general liability limits to fulfill higher limit requirements mandated in contracts. Excess liability limits up to $10 million available for additional premium, subject to underwriter approval offline.

• Hired & Non-Owned Auto Liability
• Inland Marine
• Workers Compensation