When your family is gathering around the ark, you want to focus on your Bar or Bat Mitzvah’s joyous moment. However, planning for that perfect memory requires many moving parts. When you add excited teenagers into the mix, you risk being liable for accidents causing injury or property damage, which could result in financial loss for you.
Bar and Bat Mitzvah Insurance helps protect you, the event organizer, from the financial consequences that result from third-party claims alleging injuries or property damage due to your party.
What kinds of claims does Bar and Bat Mitzvah Insurance cover?
Both Bar and Bat Mitzvah Insurance are types of special event insurance , which provides protection to the organizer against the financial consequences resulting from claims for injuries or property damage from third parties including guests, vendors, or venue owners.
You may yell “mazel tov” when a glass breaks, but it is unlucky if a shard of the glass causes someone to get hurt and bring a claim against you. Bar and Bat Mitzvah Insurance provides investigation services and a legal defense for claims, even in the event that a claim is false or fraudulent.
You don’t need to rely on heaven’s intervention with Bar and Bat Mitzvah Insurance, which can provide coverage for the following types of claims:
- Third-party, non-employee bodily injury: An older guest tries to bust a move like the kids on the dance floor and busts a hip instead. You could be held liable for the damages resulting from the bodily injury.
- Third-party property damage: The Bar or Bat Mitzvah damages the Torah while walking around the congregation. You could be held liable for the property damage.
- Personal and advertising injury: If a joke is made in poor taste, someone could bring a libel or slander suit against you, which you could be responsible for paying the resulting damages.
- Damages or injury from liquor liability: If the adults at the celebration want to drink at the reception, and you serve alcohol or allow people to consume it at the Bar and Bat Mitzvah, you could be liable for their actions. However, if you are in the business of selling, servicing or furnishing alcohol, you may need to purchase additional liquor liability coverage.
How much does Bar and Bat Mitzvah Insurance cost?
The cost of your Bar and Bat Mitzvah Insurance policy will depend on several factors:
The number of guests
The length of the event
Activity risk (check your policy to make sure that the activities that you plan are not excluded).
Here is a table with sample pricing for a one-day event:
Who needs Bar and Bat Mitzvah Insurance?
You, if you are planning your child’s Bar or Bat Mitzvah. As the event host, you can be held liable for the damages resulting from someone sustaining a bodily injury at your party, or the cost of repairing or replacing damaged property.
You never know when someone will get too low during the limbo dance at the reception party, or if spilled food causes a slip-and-fall injury. Furthermore, the event venue owners will likely want to protect themselves and ask that you buy general liability coverage that names the venue as an Additional Insured on your policy.
The stakes are even higher if you are planning to hire vendors such as photographers, DJs or caterers. Why? Someone can name you in a claim even if you’re not responsible for it—if it occurs at your Bar or Bat Mitzvah. Get a Certificate of Insurance from all your vendors, naming you as an Additional Insured.
Do the hora safely
With Bar or Bat Mitzvah Insurance, you can get lost in the whirlwind of dancing the hora without worrying about the financial repercussions of an accident. Click “Get a Quote” here or on the Thimble app and get covered in minutes, so you can get back to the party. Mazel Tov!
What if I only need insurance for 1 day?
If you only need insurance for one day, Thimble has you covered. We offer Bar and Bat Mitzvah event insurance from an hour up to a week. This gives you plenty of time to cover the event as well as set-up and breakdown, as well as sending home family who are staying late.
Do I need Bar and Bat Mitzvah insurance if my venue has commercial liability insurance?
Yes. You will need to get Bar and Bat Mitzvah Insurance even if the venue has commercial liability insurance. You are still liable for injuries and property damage that occur during the event. In fact, the venue will more than likely ask you to demonstrate proof of a valid, active general liability insurance policy with a COI.
Do I need Bar and Bat Mitzvah Insurance if my event is held at a private home?
If your intimate bar or bat mitzvah is held at a private home, check with your homeowners insurance provider first to see if you already have coverage for the event under your homeowners policy. However, if you aren’t covered, Bar and Bat Mitzvah Insurance is what you need.
What are Thimble’s special events coverage policy limits?
Policy limits for Thimble’s Bar and Bat Mitzvah Insurance start with a $1 million per occurrence limit with a $1 million aggregate limit. You can double the coverage limit to a $2 million per occurrence limit with a $2 million aggregate limit, while not doubling up your premium.
Does special event insurance via Thimble cover event cancellation?
No. Thimble’s Bar and Bat Mitzvah Insurance doesn’t come with event cancellation coverage. However, you can cancel your policy at any time, for any reason, before the policy’s start date/time.
I’m an event planner, do I need Bar and Bat Mitzvah Insurance?
Event planners need to have the appropriate business insurance. This includes event planner insurance for your general business activities as well as getting the requisite event insurance for each event that you plan and put on.