FAQs

Not by your policy, and the fix is to require theirs. A caterer, a band, a bounce house operator, or a valet service each carries its own exposure, and ...

Usually yes for the liability, and often no for the cancellation. Event liability can commonly be bound close to the date, sometimes the same day, which is what most ...

The venue usually answers that before you do. Most venues, parks, and municipal facilities in California require a certificate and additional insured status regardless of headcount, so a fifty-person ...

The things you did not declare, and the things that need their own policy. An activity left off the application, such as fireworks, an inflatable, live animals, or a ...

No, but California law is the reason to carry it anyway. California originated strict liability in tort for defective products in Greenman v. Yuba Power Products (1963), which means ...

Only if the coverage territory says so, and the default is narrower than most sellers assume. A standard general liability form covers worldwide bodily injury and property damage but ...

No, and the two are commonly confused. Product liability responds to injury or damage a defective product causes to someone else. A recall is the cost of getting the ...

There is no single formula. The drivers are what the product is and how it can fail, how many units are in circulation and where they are sold, whether ...

Product liability insurance typically does not cover intentional harm caused by a product, professional negligence, or employee injuries. Professional negligence usually needs professional liability insurance, and employee injuries go ...

A business owner’s policy may offer some coverage for movable property, but it is often limited. Inland marine insurance provides broader and more specific coverage for goods in transit ...