Overview
Whenever you serve alcohol at a wedding or private event, you’re taking on real legal and financial risk as the host. At FAUR, we already carry our own commercial liability and workers’ compensation coverage for our business and our staff. That protects us (and, indirectly, you) if one of our employees causes covered damage while performing their work. However, that is not the same thing as host/event liability insurance (often sold as PAL, WeddingGuard, Duuo, etc.). Host/event insurance is designed to protect you and, in many cases, your venue, from claims that arise from hosting the event itself, especially when alcohol is involved.
Think of it this way: We insure ourselves. Event insurance is how you insure yourself.
Does FAUR provide PAL/Event Insurance?
Yes. Many of our clients request that we handle the policy details and create a custom policy for their event. If you would like a turnkey insurance solution, reach out to us and Our Event Concierge can help you through the process.
Note: PAL insurance is available as an 'add-on' on Book Now portal, however, as every event requiring a custom quote, pricing is estimated and the service must be added by speaking to your Event Concierge.
What FAUR’s Insurance Covers vs. What PAL/Event Insurance Covers
FAUR’s vendor liability (what we carry)
Our internal insurance is focused on our operations and our employees. In practice, this typically covers:
Our staff performing their duties in the normal course of work
Certain types of property damage or bodily injury caused by our negligence while working
Workers’ compensation and employer obligations for our employees
This is standard for a professional staffing and event services firm. It ensures we can operate in reputable venues and protects clients (like you) from risk specifically tied to our conduct as a vendor.
What it does not replace:
Your responsibility as host for inviting and serving guests
The venue’s desire to see you named on a policy with specific limits
Coverage for broader event risks (cancellation, weather, rings/gifts, vendor no-shows, etc.)
PAL/Event insurance (what you, as host, buy)
Host/event policies (including PAL/WeddingGuard, Duuo, etc.) are aimed at protecting you, the event hosts, from claims that arise because you chose to hold an event. That typically includes:
Alcohol-related liability (a guest gets intoxicated and later hurts themselves or someone else; liquor liability if added)
General bodily injury and property damage linked to the event
Certain extensions like tenant’s legal liability and medical payments (depending on the policy)
On top of that, many policies let you add:
Vendor non-performance (e.g., caterer or DJ no-shows or fails to deliver contracted services)
Event cancellation or postponement for defined reasons (some PAL/WeddingGuard packages include partial coverage across event and even honeymoon; others like Duuo focus on liability only)
Loss or theft of gifts, rings, or event property (usually excluding cash and high-value jewelry unless specifically added)
Different providers bundle these features differently, which is why two event policies can look very different in price and coverage.
Why Venues Still Ask You for Insurance
Even when FAUR and the venue both have insurance, venues often require the couple/host to carry a separate event policy and:
Meet a minimum liability limit (e.g., $2M or more, depending on the venue)
List the venue as an “additional insured” on your policy
This is because:
The venue’s own policy usually addresses their “regular operations” and property, not the added risk of a one-off private event with alcohol.
They want your insurer to share the risk if a guest sues or a claim arises tied to your guest list, your vendors, and your set of decisions as host.
In short:
FAUR’s coverage: protects FAUR’s operations and staff.
Venue’s coverage: protects the venue’s business and underlying property.
Your event policy: protects you as host and, where requested, also covers the venue/property owners you name on the policy.
When Should You Buy PAL/Event Insurance?
You don’t need to lock in a policy before you speak to any vendors, but you must buy it before anything goes wrong, and normally before the venue’s stated deadline.
Once you have date + venue: you can start getting quotes and comparing PAL/WeddingGuard vs. Duuo-style options. We can arrange insurance for you.
Venue’s deadline: some may require proof of insurance (with them named as additional insured) by a specific date.
Tip: Most providers only allow you to buy coverage within a certain window (e.g., within 6–12 months of the event).
Who Needs to Be Named on the Policy?
Private property that’s not yours: if you’re hosting on a family member’s or friend’s property, they should usually be added as additional insureds.
Venues: many venues require (in writing) that they be listed as additional insured and that your coverage meets a minimum limit.
You (the couple/host): you’re typically the primary named insured; you can’t “outsource” your hosting risk to a vendor or venue.
Note: This is separate from our own insurance, where we are the insured party because we’re the employer and service provider.
How FAUR, Your Venue, and Your Policy Work Together
For a typical wedding or private event with bar service, risk is layered like this:
FAUR’s insurance
Covers our employees’ work, our operations, and our obligations as an employer/vendor.
Allows us to operate in reputable venues and stand behind our staff.
Venue’s insurance
Covers its property and business operations.
May not fully extend to your specific one-off event, especially around alcohol and guest behavior.
Your event (PAL) policy
Protects you as host, and any additional insureds (venue, property owners) named on your policy.
Provides the liquidity and legal defense layer if a guest or third party brings a covered claim against you as host.
Each layer is doing something different and they are complementary, not duplicative.
Summary
FAUR already carries the vendor and staff coverage we need to operate safely and professionally.
You should treat event insurance (PAL/WeddingGuard/Duuo) as a separate decision that protects you and your venue/property owners.
Looking for a turnkey, worry-free solution? We can arrange PAL/Event Insurance for you.
Need more assistance? Reach out and we will be happy to clarify any concerns, answer any questions and help you with your event, and order.