Event Insurance Requirements

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To ensure proper liability coverage for all parties, Tower Beach Club requires both event organizers and select vendors (caterers and bartenders) to meet specific insurance requirements.

Event organizers must obtain special event liability insurance that meets the following minimum coverage requirements:

• Coverage Limits: $1,000,000 Occurrence / $2,000,000 Aggregate
• Host Liquor Liability: Required if alcohol will be served.

Additionally, the policy must:

• List Tower Beach Club as Additional Insured.
• Include coverage for the entire duration of the event, including setup and teardown.

How to Obtain Insurance:

To simplify the process, we recommend using The Event Helper. We’ve pre-selected the required coverages to specifically meet the insurance requirements for Tower Beach Club. Follow this link to obtain a policy quick and easy. 

To ensure proper coverage, caterers and bartenders are required to provide proof of liability insurance with the following minimum coverage:

• Coverage Limits: $1,000,000 Occurrence / $2,000,000 Aggregate
• Host Liquor Liability: Required for bartenders only.

Additional Requirements for Vendors:

• Vendors must provide a Certificate of Insurance (COI) showing proof of coverage.
• If a vendor’s existing liability insurance for their business does not meet these coverage limits, they must obtain single-day event insurance with the required coverages.
• Vendors are not required to list Tower Beach Club as Additional Insured.
• If a vendor has previously submitted proof of valid insurance for another event, and their policy is still active, they do not need to resubmit.