Answers for event insurance in minutes.

What coverages do you offer?

Short-term event General Liability for a single event, with limits such as $1M per occurrence / $2M aggregate and higher limit tiers available. Optional add-ons for eligible events include host or full liquor liability, Waiver of Subrogation, and Primary & Non-Contributory wording where a venue requires them. Your quote shows every charge before you pay.

Who underwrites the insurance?

Policies are underwritten by an insurance carrier rated A++ (Superior) by AM Best. The carrier is identified on your quote and policy documents. Claims are handled by the carrier's appointed claims administrator.

How fast do I get a COI?

Minutes after purchase; documents are delivered digitally. Coverage itself begins on the start date you select, which can be as early as the day after purchase.

Are there attendance limits?

Coverage applies to the attendance shown on your endorsement, so choose a number that reflects your real expected turnout. If your event grows, contact us before coverage begins; whether it can be updated depends on eligibility and the event type.

Is liquor liability included?

No. Alcohol coverage is never automatic. For eligible events, host liquor liability (serving, not selling) and full liquor liability are available as optional add-ons at checkout. Concerts are not eligible. Your final coverages are confirmed on your policy and endorsements.

Do you cover concerts or performers?

Concerts and performances can be insured for third-party liability, but performers, participants and contestants are not covered for their own injuries. The policy answers claims brought by guests and other third parties, subject to its terms.

What documents do I receive?

You'll receive your COI, policy ID, effective dates, and coverage confirmation digitally - typically by email right after purchase.

What happens if I postpone my event?

Need to reschedule? In many cases you can update your event dates if you notify us before coverage begins - subject to eligibility and policy terms.

Can I cancel for a refund?

If you need to cancel before coverage begins, contact us in writing and we'll explain what applies to your policy. Note that this is liability insurance: it does not reimburse deposits or other costs if your event itself is called off.

How do I file a claim?

Contact ACM 24/7: 888‑799‑2919 or NewLossesCL@acmclaims.com. Include your policy number and insured name.

More questions coming soon. Please contact us if you need immediate assistance.