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It’s time to celebrate a milestone achievement: your child is graduating from high school or college. While they’re getting their hard-earned degree, these types of celebrations come with a certain degree of mayhem. It’s all fun and games until someone gets hurt or something breaks.
Graduation Insurance provides A+ coverage from financial loss resulting from third-party injuries or property damage claims. It can protect you against the financial consequences if someone slips and falls in her heels, hurts her ankle and holds you responsible. It can also protect you if a guest accidentally spills a drink on the DJ’s laptop, leaving it for dead next to the dance floor. Get Graduation Insurance to protect yourself from these types of mishaps and more.
What is Graduation Insurance?
Graduation Insurance is a type of special event insurance that you can buy when you are having a party to celebrate your graduate. The insurance covers third-party claims including those from guests, vendors, and any venue you contract with for the party.
Your Graduation Insurance is designed to protect you for the day of your event, including set-up and breakdown. Or you can get it for a multi-day celebration over the weekend. With Thimble, you only need to purchase insurance for as long as you need it.
What does Graduation Insurance cover?
Graduation Insurance covers you against the financial consequences resulting from injury and property damage claims from people who attend your event. These could range from a slip-and-fall injury to a guest being overserved and injuring themselves or someone else.
While graduation parties can get a little raucous and out of control, Graduation Insurance will provide you with investigation services and a legal defense, when needed, even if a claim is groundless, false or fraudulent.
Take a look at the types of claims covered with Graduation Insurance:
- Third-party bodily injury: If an accident happens during your event and you are liable for it, this will pay for medical expenses stemming from the guests’ injuries, including consequential expenses.
- Third-party property damage:This covers the costs resulting from property damage to guests’ personal belongings or to the venue, like someone using permanent markers to write a congratulations message on the venue wall.
- Personal and advertising injury: Plagiarism is not cool. If someone at your grad party accuses you of intellectual property infringement, this can help protect you.
- Damages or injuries from liquor liability: If you are allowing alcohol consumption, you could be held liable if someone at your event overindulges and causes harm at the event or on their way home. If you are in the business of selling alcoholic beverages, you may need to purchase additional liquor liability coverage.
How much does Graduation Insurance cost?
Graduation insurance costs are very reasonably priced (especially compared to the tuition bill). You can get coverage for your event for as little as $150. Keep in mind that the bigger your event is, the more expensive coverage will be. Make sure that you get coverage that includes the full day of set-up and breakdown.
Here is a range of costs for a one-day event, without additional liquor liability included:
Who needs Graduation Insurance?
Throwing a graduation party? Then you’re going to be in the market for Graduation Insurance. If you are securing an event venue, the venue owners may even require that you get general liability insurance and provide them with a Certificate of Insurance (COI).
Even if you are having the bash in your backyard, getting Graduation Insurance will protect your savings, income, and other assets from costly claims that can result from any party. It’s worth the money to have the insurance.
Celebrate their success responsibly
Don’t get the party started without protecting yourself first. After all, you want to pattern responsible habits to your new graduate. As special event insurance, Graduation Insurance covers the event for a reasonable price so you are not left footing the bill for the accidents that can happen at a party.
Thimble is working hard for you during your biggest life celebrations. Enter your email below to be notified when Graduation Insurance via Thimble becomes available in your area.
Graduation Party Insurance FAQs
What if I only need Graduation Insurance for one day?
Thimble’s special event insurance is designed for short-term needs. Our policies will cover your event for one day up to two weeks. That includes setup and breakdown time. Cancel your policy anytime before the policy goes into effect to get a refund.
Do I need Graduation Insurance if my venue has commercial liability insurance?
You 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 COI that demonstrates you have general liability insurance for the event.
Do I need Graduation Insurance if my event is held at a private home?
Liability exists even if you aren’t at a big venue, 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 Graduation 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 Graduation 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.
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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