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 | 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 | 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 | Liquor Liability | General 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: Product Recall
Product Recall: Comprehensive cover for a variety of industries and recall scenarios, ranging from product guarantees and contamination events to cyber product tamper.
Restaurant Contamination: Bespoke cover addressing contamination events in restaurants.
Coverages: Prize Indemnity
Gives you the ability to offer special contests and promotions while transferring the risk to an experienced and financially bound insurer. Running a contest can provide lucrative marketing opportunity for a business. Examples: Weather Promotion, Crack the Code, Envelope / Number Draws, Curling Contests, Basketball / Football Contests, and many more!
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: Contents | Property Damage
Insures against direct physical loss or damage to Miscellaneous Property items while in the care, custody or control of the insured. A copy of the rental contract is required if applicable. Coverage is available on a per-day basis up to one year. This is an All Risk / Named Perils policy with the option of Actual Cash Value or Replacement Cost coverage. Policy details are customized with each request. PAL does not offer liability coverage under this policy. PAL does not offer any coverage for property while in transit.
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: Prize Indemnity
• Rates start at $75
• Easy online application with immediate policy issuance
• No PAL issuing fee when using the online form
• Seasonal/Blanket Hole in One policies available
• Rating available per participant
• High-Valued Hole in One rates for prize between $100,000 up to $1million (shootout style only)
• Reinstatement coverage & $250 Club Pro Shop Voucher automatically included through PAL’s online platform
• Multiple Pin Placements
• Up to 18 holes