The Event Helper

The Event Helper: event and exhibitor liability insurance

The Event Helper is an insurance company specializing in event liability insurance policies. Its business is aimed at event organizers and exhibitors or service providers who need to provide proof of coverage to the venue where the activity takes place. The company operates under the legal name Gaslamp Insurance Services dba Event Helper Insurance Services.

What event liability insurance covers

The main product is a general liability policy designed to protect the event holder against claims for guest injuries or damage to the venue's property. Coverage can include the additional insured endorsement, so that the venue or event sponsors are protected against the organizer's actions. It also typically includes Host Liquor liability when the loss arises from the consumption of alcoholic beverages during the event.

The company notes that this type of insurance is commonly required by venue rental agreements, and that exhibitors, vendors or service providers may need it to participate in an event if they do not already have coverage through their business policy.

Customer profile and cost examples

The company serves event organizers of different sizes and types. The site offers indicative price references: a small wedding can start at $66; a trade show expecting 250 attendees is around $125; and a music concert with 2,500 attendees, around $400. For sporting events, general liability insurance can start at about $250, with the option to add participant injury coverage for an additional $50 to $1,000.

The standard policy does not cover injuries to sporting participants, performers, volunteers, employees or individuals compensated by the insured. However, for certain types of sporting events, additional coverage for specific activities may be available.

Online purchasing and paperless management

The purchase process consists of three steps: the customer provides their contact information, the venue location and basic details about the event; reviews and pays for the policy with major credit cards; and downloads or receives the certificates of insurance by email. The company presents itself as a fully digital business: purchasing, payments and administrative operations are managed paperlessly, which, according to its own description, allows it to maintain a high level of service and low costs.

Coverage and acceptance guarantee

The Event Helper states that its policies meet the requirements of 99.5% of venues, and that in the exceptional case where a venue does not accept them, the full policy amount is refunded. The company also offers a specific program for venues that rent out their facilities and want to require their renters to have adequate coverage.

Customer service and operations

The company handles inquiries by phone and email Monday through Friday, from 7:00 a.m. to 5:00 p.m. (PST). The site warns of occasional phone issues and recommends email as the fastest way to get assistance. Available resources include guides and articles, FAQs, a blog, the ability to file a claim and manage policy changes.

Insurance broker program

The company has an open program for insurance brokers, who can join and earn a 10% commission on policies sold through its platform.

Location and contact

PO Box 1549, Grass Valley, CA 95945 · Phone: (855) 493-8368 · Email: info@eventhelper.com