Types of Events we serve
Common questions about Events
Answering the most frequently asked questions about Events.
Not under a standard property policy, which generally stops at your premises. Inland marine covers staging, lighting and AV gear in transit and on site, which is where most event equipment losses actually occur.
They are different coverages. Liability responds when someone is hurt or property is damaged. Cancellation responds when weather, vendor failure or a venue problem forces you to call the event off. Buying one does not give you the other.
Usually yes. Liability can attach to the host and organizer as well as the server, and your general liability policy excludes alcohol- related claims. Confirm who carries what before the event, and get it in writing.
It extends your liability coverage to protect the venue for claims arising from your event. It’s a standard contract requirement and easy to add, but it must be requested before the certificate is issued, not after.
Yes. Special events coverage can be written for one date or a season, which suits venues, festivals and one-off functions. If you run events regularly, an annual policy is usually cheaper than repeated single-event purchases.
You can reduce premiums by implementing risk management strategies, such as safety protocols, training for staff, and using reliable vendors. Additionally, bundling multiple policies with the same insurer can often lead to discounts.
Yes, even small events can face significant risks. Insurance protects you from unexpected incidents and liabilities, ensuring your business remains secure.
The cost of event cancellation insurance depends on the size and nature of the event, as well as the coverage amount. Typically, it ranges from 1% to 3% of the total event budget.
General liability insurance covers bodily injury, property damage, and personal injury claims that occur during the event. It protects against lawsuits and claims filed by attendees or vendors.
Any event that involves public attendance or third-party vendors should have insurance. This includes weddings, corporate events, festivals, trade shows, and more.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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