Understanding Event Insurance
Event insurance is a critical aspect of planning and hosting any event. It serves as a safety net, providing protection against unforeseen circumstances that could otherwise lead to financial loss. Essentially, event insurance can cover cancellations, property damage, injuries, and other liabilities.
The Eventhelper.com is one of many special event insurance carriers in the U.S. that offers event coverage.
Overall Verdict
- EventHelper earned a 4 out of 5 rating based on Eventsguardian’s evaluation criteria as part of a broader comparison of event insurance providers.
What the Review Liked
- Real-time quotes: Prices update instantly as you adjust details.
- Good for small events: Especially useful for events under 72 people.
- Easy online management: Policies can be edited after purchase.
- User experience: The website works well on both desktop and mobile.
- Liquor coverage included: Host liquor liability is part of the standard offering.
Drawbacks Noted
- Single-day coverage limitations: You must purchase another full day if your event goes past midnight.
- Cancellation fee: A non-refundable administrative charge (about $22) applies if you cancel.
- Opaque insurer identity: The review notes it’s not clear which insurance company underwrites the policies.
- Deductible and limits:
• A $1,000 deductible applies unless you pay extra to remove it in some states.
• Damage-to-rented-premises coverage is only $100,000 for larger events and appears capped without visible options to increase it (though endorsements may effectively raise it).
Alternatives to The Eventhelper.com
Be sure to check your venue’s insurance requirements before securing a policy!
GatherGuard
Starts at $75 for $1M/$2M GL coverage
Min. Damage to rented premises limit: $250,000
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No
Free quote feature available
SpecialInsurance.com
Starts at $160 for $1M/$2M GL coverage
Min. Damage to rented premises limit: $300,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes
Free quote feature available
Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required