Event Insurance Requirements
Read This First (The Simple Version)
If your event has food being brought in by a caterer or alcohol being served, you will need three separate insurances - no exceptions:
1. Host Event Insurance (required for every event)
This must be special event insurance (not your company’s business insurance) in the name of the event host. It must include liquor liability and list Tower Beach Club as Additional Insured.
2. Caterer Insurance (required if food is served by a vendor)
This is your caterer’s own general liability policy for food service. If they are also pouring alcohol, their insurance must include liquor liability.
3. Bartender Insurance (required if alcohol is served)
Bartenders must provide their own liability insurance with liquor liability included. Your host insurance does not replace this requirement - both insurances, both with liquor liabilty are required. The bartender works under you, but also needs his/her own insurance.
Bottom line:
- Company insurance does not qualify
- Host liquor liability does not cover your bartender
- Your bartender must have their own liquor liability
- Caterers cannot bartend unless their insurance includes liquor liability
We recommend using The Event Helper for your host insurance. It takes 5 minutes and costs about $100. You can purchase here: https://www.theeventhelper.com/#affXNd
EVENT INSURANCE REQUIREMENTS (Full Details)
To ensure proper liability coverage for all parties, Tower Beach Club requires the following insurance documents from event organizers and select vendors.
1. Event Organizers (Clients)
All clients must obtain special event liability insurance with:
- $1,000,000 Occurrence / $2,000,000 Aggregate
- Host Liquor Liability (required if alcohol is served)
- Tower Beach Club listed as Additional Insured
- Coverage for the full event, including setup and teardown
Where to buy:
Use our pre-configured link The Event Helper for fast, guaranteed-compliant coverage.
Note: This must be insurance to host a special event. Your company’s normal business insurance DOES NOT qualify and will be rejected.
2. Vendors — Caterers & Bartenders Only
Caterers Must Provide:
- $1,000,000 Occurrence / $2,000,000 Aggregate liability
- Liquor liability, if they will also be serving alcohol
- A valid Certificate of Insurance (COI)
Bartenders Must Provide:
- Liability insurance with liquor liability included (required)
- A valid Certificate of Insurance (COI)
Important:
- Your host liquor liability does not cover the bartender.
- Your bartender cannot use your host policy.
- Vendors are not required to list Tower Beach Club as Additional Insured. They are operating under you and your host insurance policy.
If their business insurance does not meet the minimum coverage, caterers and bartenders may purchase single-day event insurance.