Convention Insurance

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Are you planning a gathering of minds? Conventions bring people together who share the same passions or professions. Even with all the synergy, things can go wrong, such as an attendee tripping over a vendor’s display and doing a faceplant. You don’t want to organize a convention without getting Convention Insurance.

What is Convention Insurance?

Convention Insurance is a type of special event insurance that covers you for liability claims that occur while you are organizing or hosting a convention.

Incidents can occur during the event, set-up or breakdown, leading to third-party bodily injury or property damage. Third parties can be attendees or the venue owners. Having the right coverage will not only pay for damages but can provide investigation of the claims and legal defense when necessary.

What does Convention Insurance cover?

When people attend a convention, they expect a safe environment among the booths, displays, and overall location. But even if you do everything that you can to promote safe practices, mishaps can happen.

Many of the resulting claims end up in lawsuits. Convention Insurance provides the defense and investigation of claims so you don’t incur extra expenses. It even protects you if a claim is fraudulently made against you.

Convention Insurance can protect you from the financial consequences of claims such as:

  • Non-employee, third-party bodily injury: If an attendee or guest gets hurt during the event, you could be liable for their medical costs as well as consequential damages they experience because of the injury.
  • Third-party property damage:If an attendee’s or guest’s personal property is damaged while attending the event, you could be held liable. This might be clothing, jewelry, or other items that you may have to repair or replace.
  • Personal and advertising injury: Flyers and swag are everywhere at conventions. But if someone accuses you of slander, libel, or copyright infringement, you could be liable—and that’s not the reputation you want.
  • Damages from liquor liability: If your convention allows alcohol consumption and someone who is drinking gets hurt, hurts someone else, or damages another’s property, you could be held liable. If you are selling alcohol, you may need to purchase additional coverage for liquor liability.

How much does Convention Insurance cost?

Getting Convention Insurance is more affordable than you may think. A small event may cost a little more than $100 to insure, but costs will vary depending on a few factors.

These include the size of the event, how long the convention will take place, and how hazardous the event will be. We’ll also evaluate whether or not additional liquor liability coverage is needed for the event. If this coverage is needed, your premium will go up.

Here is a range of Thimble’s Convention Insurance costs for one day, without additional liquor liability:

Convention insurance cost range

Who needs Convention Insurance?

Whether you are a business, organization, or an individual sponsoring, planning, or hosting a convention, you should get Convention Insurance. Why? Not having it will leave you exposed to potentially thousands of dollars in claims.

Plus, the venue will likely require you to have valid general liability insurance. In fact, insurance is a requirement of many rental contracts. You may need to list the venue as an Additional Insured, which means the owners are added to your policy to extend coverage to them. Depending on the size of the venue, you’ll likely be asked to have a minimum limit of $1 million in general liability coverage.

For example, a vendor may have a mechanical demonstration that malfunctions, leading to a fire in the convention venue. Depending on how bad the fire is, this could lead to tens of thousands of dollars in damage or more.

Of course, you can’t ignore common accidents such as slip-and-falls. One attendee may spill a cup of coffee on the floor. Before someone cleans it, someone can slip in it and hurt himself. If so, you could be held liable.

What other insurance might you need for a convention?

While Convention Insurance can cover you for bodily injury, property damage, and personal and advertising injury you may still need other types of insurance. This is especially true if you have business property or employees at the event.

Anyone who brings business property to the venue should consider getting business equipment protection. If you have business property that you’re bringing with you to the convention, and it is accidentally lost or damaged, business equipment protection can cover the replacement or repair of your property. The more property that travels with you, the bigger your exposure.

Convention organizers who have employees helping with the event’s execution almost always need workers’ compensation insurance (most states require it by law). This type of insurance pays for medical expenses and lost wages of employees who are hurt while working or who develop an illness as a result of their job.

Also, many convention organizers try to outsource resources as much as possible and contract vendors rather than hire employees. You want to make sure that each vendor has a valid general liability insurance policy that lists you as an Additional Insured. This can help you if someone names you in a lawsuit or claim stemming from your vendors’ actions. If they need insurance, you can help them find vendor general liability insurance.

Making the most out of your convention

People go to conventions to learn new things, whether to hone a hobby or network with professional peers. Either way, you (as the convention host) can help everyone get the most out of the event by having the right protections in place.

Develop a keen eye for safety protocols and get the right Convention Insurance to help if something goes wrong.

If planning a convention is in your future, leave us your email to find out when Convention Insurance via Thimble will be available in your area.

Convention Insurance FAQs

What if I only need insurance for a single day?

No problem. Our policies will cover your event for one day, including the time you need for set-up and breakdown, which are rife with risks. You can get insurance for your event for up to two weeks.

What are Thimble’s Convention Insurance coverage policy limits?

Our liability limits start at $1 million per occurrence with a $1 million aggregate. You can increase the liability limits to $2 million per occurrence with a $2 million aggregate if you choose.

Does Convention Insurance via Thimble cover event cancellation?

No. Our policies do not cover event cancellation. However, your event insurance policy is fully refundable as long as it is canceled before the policy start date/time.

I’m having a boating convention. Can Convention Insurance cover me?

Not if the boats are out on the water. Our Convention Insurance doesn’t cover open-water boat shows, aircraft events, and a few other activities. You’ll be able to see these exceptions before you buy your policy.

Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Car / Boat / Vehicle Washing or Detailing
  • Housekeepers
  • Janitorial Services including Carpet and Window Cleaning
  • Office Cleaning
  • Pressure Washing

Optional Add-Ons

  • Exterior Painting
  • Floor Waxing
  • HVAC
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal

Excluded Activities

  • Inspectors
  • Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
  • Performing Work over Three Stories in Height(30 Feet)

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

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