Debutante Ball Insurance

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When it’s time for your little lady to be the belle of the ball, you want everything to be perfect. But accidents do happen, and you need to make sure that it doesn’t negatively impact your budget. Debutante Ball Insurance provides financial protection from third-party claims that happen at the party.

With Debutante Ball Insurance, you won’t have to worry about someone slipping and hurting themselves on the dance floor, and you can rest assured that you have the right protection if someone causes injury or property damage after partaking of adult beverages at your event. As they say, “hope for the best and plan for the worst.” Insurance helps you do just that!

What is Debutante Ball Insurance?

Debutante Ball Insurance is a type of event insurance that protects you, the event host or organizer, from the consequences of claims for injuries or property damage that can come from guests.

It covers more than just the time you have set for the party. It includes coverage for the set-up and breakdown of the event, making sure you aren’t vulnerable to risk while people are working on your party.

What does Debutante Ball Insurance cover?

Your Debutante Ball Insurance policy can protect you for incidents where someone claims that you are responsible for their injuries or property damage. For example, say someone accidentally spills scalding hot coffee on a guest, ruining their expensive clothing. Debutante ball insurance could cover the damages from that claim.

Furthermore, Debutante Ball Insurance can help you if you need a legal defense, investigation, and settlement of a claim. This may be important if you are wrongfully accused of something or a fraudulent claim is filed.

Special event insurance protects you from the financial consequences of claims arising from these kinds of scenarios:

  • Third-party non-employee bodily injury: Pays claims where someone is accidentally hurt during the party and you must pay for their medical expenses, as well as other expenses, as a result of their injury. These are often slip-and-fall cases.
  • Third-party property damage: Pays claims where a third party (i.e., a guest) claims that you are responsible for their property damage and you are found to be responsible for such damage. For example, someone’s video camera is broken by a child sliding out of control on the dance floor.
  • Personal and advertising injury: If you are overheard making an untoward comment at the debutante ball and you’re sued for slander, this coverage can help protect you.
  • Damages from liquor liability: You could be held liable if someone is overserved, leading to an accident at the party or on their way home.

How much does Debutante Ball Insurance cost?

The size of your debutante ball will determine how much you pay in premium. Another factor that may affect your price is the location where your party is held. The cost of coverage includes liquor liability for an open bar or BYOB, but you may need to purchase additional liquor liability coverage if you’re selling alcohol.

Here is a range of costs for one-day events of various sizes (without coverage for additional liquor liability):

Who needs Debutante Ball Insurance?

If you are planning a debutante ball or any other type of coming-of-age event, you’ll want to get special event insurance. In fact, if you are renting a venue, you’ll likely be required to provide a certificate of liability insurance demonstrating that you have valid general liability insurance that protects the venue’s property and limits their liability for your event.

If you have vendors at your event, like a caterer or a band, you should ask them to buy their own general liability insurance for extra protection. When they get insurance, they should add you as an Additional Insured to extend their coverage to you. After all, if their mistake causes an accident at your debutante ball, you could still be held liable.

Debutante ball insurance cost ranges

Coming out with the right coverage

A debutante ball is an event that creates lifetime memories. Don’t let it be marred by an unexpected accident. Get Debutante Ball Insurance to protect you from claims of bodily injury or property damage, so you can get your party on. Thimble makes it easy to get a policy within a minute.

Ready to RSVP? Click “Get a Quote” here or on the Thimble app, and get your policy so you can get back to more fun things — like picking your dress. 

Debutante Ball Insurance FAQs

What if I only need one-day Debutante Ball Insurance?

Thimble’s special event insurance is designed for short-term needs. Our policies will cover your event for one day up to a week. That includes setup and breakdown time. Cancel your policy anytime before the event to get a refund.

Do I need Debutante Ball Insurance if my venue has commercial liability insurance?

You most likely will need to have your own event insurance policy even though the venue has its own commercial liability insurance. In fact, most venues will require you to furnish a Certificate of Insurance (COI) that demonstrates you have insurance for the event.

Do I need Debutante Ball Insurance if my event is held at a private home?

Liability exists even if your venue is small, and you’ll want to have protection for your event. Check with your homeowners insurance provider to see if your policy needs to be amended to cover this event or if you should get specialized event insurance to make sure you are protected for your big day.

What are Thimble’s Debutante Ball Insurance 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 Debutante Ball 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.

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

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    Bodily Injury
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    Property Damage
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    Legal Defense
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    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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