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

Provides protection to event hosts against lawsuits arising out of single/multi-day functions with or without service of alcohol. All events with live entertainment or sports MUST be submitted on this form. Please note, we are unable to provide you with a quote more than 120 days in advance of the event.

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

Provides liability protection against possible claims for bodily injury and/or property damage that may arise out of the operations of the AFTER GRAD event. This would be defined as the organized / controlled event (not part of the graduation event itself) for students and their invited guests. If you require coverage for the actual graduation ceremony or banquet/dance, please see our Special Events Liability Program.

Coverages: Business Interruption | Clinical Trials Liability | Product Liability | Professional Liability | Public Liability

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

PAL's Weddinguard program provides the Liquor Liability coverage that many wedding venues require couples to obtain for their wedding, plus many more financial protections that will give peace of mind in those critical days leading up to the wedding day. Coverages include insurance for cakes, flowers, bridal attire, and much more. Can be applied for up to one year in advance of the wedding.

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 | 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 | General Liability | Hard to Place | Product Liability | Public Liability

Commercial General Liability is designed to protect your business against bodily injury/property damage that was caused by the business' operations and/or products for which they are found legally liable.

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

Our Caterer program is designed for Caterers who have been hired by an event host to serve food and or drinks at their social event. Available for Single Events or Annual Terms. Provides coverage in the event that someone gets sick while eating a caterer's food, injures themselves if they trip over a piece of caterer's equipment, or gets scalded by a hot dish that a caterer prepared.

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

PAL’s Cannabis Event Liability, has been designed to clearly protect the Named Insured’s negligence when there is Cannabis consumed on the event premises via an event attendee who consumes their own (legally obtained) Cannabis on the event premises or a third party supplier. Please note that coverage is NOT intended for the event organizer/host to supply Cannabis to their event.