Get Bingo Insurance in Minutes

When your nonprofit, church, or community organization hosts a charity bingo night or fundraising game, you face real liability exposures. From slip-and-fall injuries to property damage claims, the financial risks can threaten your organization's mission and assets. We provide specialized event liability insurance that helps protect charitable organizations while they focus on serving their communities and raising funds for important causes.

What Is Bingo Insurance?

Bingo insurance is specialized liability coverage we've designed for nonprofits, religious organizations, schools, and community groups hosting bingo games and similar fundraising activities. Our policies can help protect your organization from financial losses stemming from bodily injury claims, property damage, and other covered incidents that may occur during your fundraising events.

We serve charitable organizations across the states where we operate that need coverage to satisfy venue contracts and protect organizational assets. Many event facilities require proof of insurance before allowing you to host activities on their premises, and some states set their own requirements for organizations conducting charitable gaming.

Our standard coverage provides general liability protection starting at $1 million per occurrence with $2 million aggregate limits. Policies vary. See your issued policy for applicable terms, limits, conditions, and exclusions. Our policies offer optional host liquor liability when alcohol is served, and the ability to name your venue as an additional insured on your certificate of insurance at no extra charge.

Why Your Event Needs Liability Protection

Bingo fundraisers bring together large groups of community members in various venues - church halls, community centers, or rented facilities. These events present multiple liability exposures that can lead to significant financial claims:

• Slip and fall accidents: Spilled beverages, crowded pathways, or uneven flooring can cause attendee injuries
• Property damage: Damage to venue furniture, flooring, or facility equipment
• Alcohol-related issues: When beverages are served, liability can extend to incidents involving impaired guests

Without adequate protection, even a single claim can consume your fundraising revenue or force your organization to use operating reserves for legal defense. Between medical expenses, attorney fees, and potential settlement costs, the financial burden frequently exceeds what most small charitable organizations can absorb.

Types of Coverage for Game Nights and Fundraisers

Our event liability policies bundle multiple protection types into a single event policy:

General Liability Coverage

This core protection addresses third-party bodily injury and property damage claims. We offer standard limits beginning at $1 million per occurrence with $2 million aggregate coverage, with options to increase protection to $2 million/$4 million for larger fundraising events. Policies vary. See your issued policy for applicable terms, limits, conditions, and exclusions.

Host Liquor Liability

Whenever your organization serves alcoholic beverages at fundraisers - regardless of whether you charge for drinks - you assume potential liability for alcohol-related incidents. Host Liquor Liability is an optional add-on, available for an additional charge, for eligible events where alcohol is served but not sold; where alcohol is sold, Full Liquor Liability is available for eligible event types.

Damage to Rented Premises

Venue contracts commonly hold the organizer responsible for accidental damage to the space being rented, which is one of the reasons facilities ask for a certificate before they confirm a booking. Damage to Premises Rented To You is included on every policy at a $100,000 limit, at no extra charge. Policies vary. See your issued policy for applicable terms, limits, conditions, and exclusions.

Additional Insured Coverage

Event venues frequently request additional insured status on your policy. This can extend your liability protection to cover them for claims arising from your fundraising activities. We include this endorsement at no additional cost, providing certificates that document their coverage status.

How Much Does Event Coverage Cost?

We price our policies based on your event details. Get a personalized quote online to see pricing for your specific event. Several elements influence your premium:

• Number of attendees: Higher attendance increases exposure and affects pricing
• Duration: Multi-day events require higher premiums than single-night games
• Alcohol service: Beverage service generally increases premium costs
• Coverage limits: Enhanced limits ($2M/$4M vs. $1M/$2M) raise policy prices

Your base premium is calculated using the number of guests, the number of event days, and a rate per guest, subject to a minimum premium. Optional coverages - Waiver of Subrogation, Primary & Non-Contributory Endorsement, Host Liquor Liability, and Full Liquor Liability - can be added for an additional charge. Higher liability limits are also available, including $2 Million Per Occurrence and $3 Million, $4 Million, and $5 Million Aggregate Limits, priced based on the coverage selected and subject to minimum charges. Additional charges may apply, including a transaction fee, an underwriting fee, a Terrorism Risk Insurance Act (TRIA) charge, if applicable, and state taxes and surplus lines stamping fees where required. All applicable charges will be displayed before you complete your purchase.

When you host recurring monthly games, you can purchase a separate policy for each date. Other policies you already carry generally will not satisfy a venue's certificate-of-insurance or additional-insured requirement. A Gigsure policy produces a COI naming the venue as an additional insured, which is what the venue is actually asking for.

Getting Coverage Quickly for Your Fundraiser

Our online application takes about five minutes from start to certificate:

1. Select your event type: choose "Bingo Game".
2. Enter your guest count and number of event days.
3. Tell us who is purchasing the coverage.
4. Enter your venue's address and location type.
5. Pick your coverage dates. The earliest coverage can begin is the day after purchase.
6. Answer a few eligibility questions about venue activities, musical performances, vendors or temporary structures, and alcohol service.
7. Choose your add-ons: host liquor liability or full liquor liability for eligible events, Waiver of Subrogation, and Primary and Non-Contributory.
8. Review your quote and pay by card. You can also increase your per-occurrence and aggregate liability limits above the base $1M/$2M here. Additional Insureds, such as your venue, can be added for free.
9. Receive your documents: your Certificate of Insurance arrives within minutes, and coverage begins on the dates you selected.

State Requirements and Legal Considerations

Charitable gaming regulations differ substantially across states. Some states mandate insurance for organizations conducting bingo activities, while others defer to venue requirements. Regardless of legal mandates, many facilities require proof of coverage before permitting events on their premises.

Important regulatory considerations include:

• Gaming licenses: Some states require charitable gaming licenses for bingo events, which are separate from insurance requirements
• Minimum coverage amounts: Certain states specify minimum liability limits for charitable gaming operations
• Reporting requirements: Some jurisdictions mandate reporting of gaming revenues and operational expenses
• Age restrictions: Some states restrict minors from participating in specific gaming activities
• Prize limits: Certain states establish maximum prize values you may offer

Consulting the state's gaming commission or charitable gaming division to understand jurisdiction-specific requirements is advisable. We can provide guidance on typical coverage requirements but cannot offer legal advice regarding gaming regulations and compliance.

Risk Management Best Practices

While our insurance provides financial protection, preventing incidents delivers the best outcomes for everyone. These safety measures can help minimize risks at fundraising events:

Venue Safety

• Inspect facilities for potential hazards before guest arrival
• Ensure sufficient lighting throughout all areas, particularly entrances and restrooms
• Clearly mark any stairs or elevation changes
• Maintain clear walkways free from obstacles and electrical cables
• Display warning signage near wet floors or temporary hazards
• Confirm emergency exits are clearly identified and unobstructed

Crowd Management

• Plan for appropriate seating capacity without exceeding safe limits
• Establish clear entry and exit protocols
• Position volunteers to assist guests and monitor safety conditions
• Develop emergency response plans, including evacuation procedures
• Maintain readily accessible first aid supplies

Food and Beverage Service

• Follow appropriate food handling and storage procedures
• Clearly label items containing common allergens
• When serving alcohol, train volunteers to identify intoxication signs and refuse service when necessary
• Offer abundant non-alcoholic beverage alternatives
• Never provide alcohol to minors

Volunteer Training

• Brief all volunteers on their responsibilities and safety protocols
• Designate specific individuals to manage incidents or complaints
• Ensure volunteers understand how to contact emergency services
• Review proper lifting techniques for setup and breakdown activities

Why Choose Gigsure for Bingo Event Coverage

Here's what we offer for charitable bingo events and community fundraisers:

Financial Strength

Our coverage is underwritten by an insurance carrier rated A++ (Superior) by AM Best, one of the highest ratings in the insurance industry.

Inclusive Coverage

Our policies offer optional host liquor liability as a paid add-on for eligible events, and complimentary additional insured certificates come standard with our event coverage.

Fast Application Process

We provide instant online quotes and immediate certificate delivery. Our application is designed for event organizers - no lengthy forms, no telephone interviews, no extended processing periods.

Customer Support

Our team is accessible through multiple communication channels for coverage questions, certificate requirements, or claims guidance whenever you need assistance.

Transparent Pricing

Your quoted price is your total cost. Fees and taxes are itemized on the quote, so there are no unexpected charges at checkout.

We've designed our event liability insurance specifically for fundraisers and community activities. With instant quotes and certificates, and backing from an insurance carrier rated A++ (Superior) by AM Best, organizations can secure protection in minutes with transparent pricing and every fee shown before you pay. We offer optional host liquor liability and provide complimentary additional insured certificates for venues.

Common Questions About Event Protection

How late can I purchase coverage before my event?

Coverage can be purchased as late as the day before your event, subject to eligibility, though waiting until the last minute creates unnecessary risk. Your venue typically requires proof of insurance days or weeks beforehand, and you'll benefit from adequate time to review your policy and confirm it satisfies all requirements. Securing coverage at least one week prior is advisable.

Are volunteers covered under the policy?

General liability is designed for third-party claims, so injuries to volunteers and anyone helping run your event are not covered. Claims arising out of the involvement of participants or performers are excluded, including injuries to the participants and performers themselves. Check your state requirements for volunteer injury coverage and speak with your own broker about any protection your organization needs for its people.

What if someone gets injured at our event?

When an attendee or volunteer sustains an injury, provide immediate assistance and thoroughly document the incident. Collect witness statements, photograph conditions, and complete an incident report. Report the incident promptly using the claims contact information shown on your policy documents. Claims are handled by the carrier under the provisions of your issued policy. Note that medical payments coverage is not included, so guest medical costs are not paid under the policy.

Does coverage extend to setup and teardown?

Coverage applies to the dates listed on your policy. Bingo Game policies can be written for up to 3 event days, so if you need your setup or breakdown day covered, count it as an event day when you apply and select coverage dates that span it.

Can I cancel my policy if the event is cancelled?

Cancellation and refund provisions are set out in your policy, so review them before you buy. Also note that an event liability policy does not cover financial losses caused by cancelling the event itself. Gigsure does not offer event cancellation coverage.

Beyond Basic Bingo: Other Insurance Considerations

While this guide addresses event liability coverage for charitable bingo games, other insurance-related searches may have led you here. Here's a brief clarification:

Commercial Gaming Facilities

Gigsure writes single-event policies for occasional fundraisers. If you operate a permanent bingo facility or a commercial gaming establishment, a per-event policy is not the right fit, and you should speak with a commercial broker about year-round business coverage.

Pet Insurance Companies

Some "bingo insurance" searches relate to a pet insurance provider with a similar name rather than event coverage. If that is what you are looking for, you are on the wrong page: this guide covers event liability insurance only.

Protect Your Fundraiser

Successful bingo fundraisers require thorough planning, community engagement, and financial protection. Don't allow an unexpected accident or injury to disrupt your event or jeopardize your organization's financial stability. With affordable event insurance and instant online applications, eligible organizations can access coverage.

Whether you're organizing your first charity bingo night or your hundredth, securing proper liability protection provides peace of mind and demonstrates professionalism to your venue and guests. Most critically, it helps ensure that one unfortunate incident won't undermine all the valuable work your organization accomplishes in the community.

Ready to protect your upcoming event? Request a quote from us in minutes and receive liability coverage for eligible events backed by an A++ rated carrier. With transparent pricing, complimentary additional insured certificates, and coverage for events of up to 400 attendees (1,000 with extended eligibility), you can concentrate on what matters most - uniting your community and raising funds for your important cause.

Coverage is subject to the terms, conditions, limits, and exclusions of the issued policy.