Coverages: Liquor Liability | Sports Liability

Sports Liability includes general liability coverage for the host of the sporting event and coverage for injury to participants for sporting activities that qualify. This coverage protects against lawsuits brought on by a third party alleging that a bodily injury or property damage has been sustained by either an athletic participant or spectator for which the host individual or organization is liable (some restrictions apply).

Coverages: Property and Casualty

Cover for the core property and general liability risks faced by small businesses like property damage, business downtime, bodily injury, employers’ liability and products liability.
Manufacturers and Distributors: Fully blended policy for manufacturers emphasizing general liability and errors and omissions with separate towers of coverage.

Coverages: Commercial General Liability | Liquor Liability | Product Liability | Public Liability

Provides Single Event or Annual protection for individuals and/or organizations who serve alcohol to the public. Designed for full / part time employees and volunteers whose occupation includes serving alcohol. PAL’s Group Server policy is designed for service clubs or other organizations that are seeking Liquor Liability coverage on a single event or an Annual basis. EXCLUDING: NIGHTCLUBS, HOUSE PARTIES, PRIVATE PARTIES, FRAT PARTIES, COLLEGE / UNIVERSITY PARTIES.

Coverages: Commercial General Liability | General Liability | Property Damage | Public Liability

Per Event or Annual Coverage Available. Designed for individuals or groups that are hired to perform at an event. Many venues / show hosts now require each party involved in the event to carry their own liability coverage, including performers. Provides General Liability and Property coverage for many types of performers such as musicians, singers, dancers, DJs, actors, buskers, street performers, karaoke operators, rock / pop bands and much more. Excludes all performances in nightclubs.

Coverages: Commercial General Liability | Event Cancellation | General Liability | Liquor Liability | Public Liability

This program provides protection when lawsuits are brought against individuals, organizations or companies who host single / multi-day functions with alcohol service. Designed for event hosts who are holding reception-type events in a rented facility. A valid liquor permit or license must be in place for service of alcohol IN A RENTED FACILITY. Events on Private property do not require a liquor license in place

Coverages: Commercial General Liability | Event Cancellation | General Liability | Liquor Liability | Public Liability

THIS POLICY IS FOR LIQUOR COVERAGE ONLY. Provides protection for lawsuits brought against individuals, organizations or companies who host single/multi-day functions. Designed for event hosts who are seeking to cover their liquor exposure only, or for organizations who are already covered by a CGL policy which excludes any liability arising from the sale, service, or consumption of alcohol.

Coverages: Kidnap and Ransom

Cover for traditional and emerging K&R risks, like cyber extortion, as well as marine piracy policies. Backed by a global 24/7 crisis & emergency response team.

Coverages: Commercial General Liability | Liquor Liability | Product Liability | Property Damage | Public Liability

Ideal for any exhibitors at consumer shows, trade shows, craft shows, markets, food fairs, festivals, concerts, malls, farmer’s markets, flea markets, etc. 
COVERAGE AVAILABLE
• $1,000,000 to $5,000,000 Commercial General Liability – with or without Food / Beverage coverage
• $500,000 Tenant Legal Liability - Covers liability for damage to premises you rent – Included

HIGHLIGHTS
• Premiums starting from $10
• Automatic quote bind and issue on the spot (some restrictions apply)

Coverages: Commercial General Liability | Public Liability

Provides annual coverage for event planners. Designed for small to medium sized businesses that typically plan 1 to 100 events per year with a gross revenue between $10,000 and $500,000.  Typical events planned could include weddings, conferences, small concerts, corporate launches, exhibitions and more. Commercial General Liability with limits from $1,000,000 to $5,000,000 with a deductible of $1,000. Coverage is offered for event planning operation only.

Coverages: Environmental Liability

Pollution Liability: Covering bodily injury, property damage and cleanup costs, environmental damage costs. Pollution Liability, Contractors: Covering core pollution risks faced by companies involved in contracting. Pollution Liability, Site: Covering the core pollution risks facing companies on their site.