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: Event Cancellation | War and Terrorism

This policy is meant to respond with respect to cancellation, abandonment, postponement, interruption or relocation of an event (in whole or in part), provided always that the cause for such loss is beyond the host’s control and the control of any other party that is key to the success of the Event. Event types include outdoor festivals, trade shows, sporting events, concerts, conferences, and many more!

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.

Coverages: Prize Indemnity

This versatile contest promotion can be applied to many different events/promotions. Contestants must pick the winning envelope out of 100 in order to win the grand prize. Several other contest variations available. 

Coverages: Cyber

Comprehensive cover for cybercrime, privacy liability & breach notification, system damage & system business interruption and access to an expert, in-house cyber claims and incident response team. Cyber insurance can help protect your business against a range of cyber threats and exposures, including cybercrime, data breaches and system interruption. Private Enterprise, Large Corporate and Cyber Excess available.

Coverages: Contents | Personal Liability

All-Risk / Replacement Cost coverage for contents while stored in a PAL-approved storage facility only. Designed for temporary storage of goods during transitional times, etc. and/or long-term storage of excess household goods or commercial contents, stock, etc. This policy does not cover any Motorized Vehicles that can be covered under its own separate policy, such as Cars, Motor Homes, Motorcycles, Boats, ATVs, Snowmobiles. PAL is unable to provide coverage for contents stored on a commercial or private property.

Coverages: Contents | Property Damage

Trusted comprehensive coverage for your collectible items at competitive rates. Almost anything that you can collect, PAL can protect. Examples: advertising memorabilia, books, comics, coins, ceramics, dolls, fine arts, jewelry, musical instruments, wine, sports memorabilia, and much more. Most personal property that can be easily replaced is covered by a homeowners insurance policy. But for those collections that may have taken years to assemble, a homeowners’ policy does not go far enough in protecting prized collectibles.

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.