We now have event insurance available for your customers as they checkout. This feature is on by default but should you not want to offer it to your customers, you can opt-out. Turn it on/off anytime at the bottom of the Online Quoting preference page. However, we encourage you to offer it. As you will see below there are many advantages to offering it.
Watch this video for more information on the purpose of Event Insurance, and how to opt-out. Make sure you read this document as well. It will be kept up-to-date, but the video may not.
Coverage for the Risks That Come With Hosting an Event - a valuable offering to your customers. Special Event Liability is a one-time, no-deductible policy that hosts and renters can purchase to cover the day(s) of their event. It gives the host extra protection and adds a layer of separation between an incident and your commercial GL.
Event insurance will be enabled on October 1, 2026. To opt out, go to Settings -> Online Quoting, Insurance, choose "Keep disabled."
If disabled, you will see the toggle off.
If enabled, you will see the toggle on.
Once disabled, you have the choice to enable it at anytime.
Coverage Highlights
- $1,000,000 per-occurrence and $2,000,000 aggregate liability limits
- Third-party bodily injury and property damage — protecting hosts against attendee injury claims
- $5,000 medical payments limit for spectators
- The rented venue is automatically added as an additional insured — no separate certificate request
- One-time fee, no deductible, fast bind at the point of rental
- 50+ eligible event types: birthdays, family parties, showers, corporate events, school functions, and more
- Underwritten by Houston Casualty Company (A++) in partnership with Tokio Marine HCC. Marketed by Shield Knot Insurance Services, LLC.
Coverage and Limits
Third-party bodily injury and property damage — protecting hosts against attendee injury claims
- $1,000,000 per-occurrence / $2,000,000 aggregate liability limits
$5,000 medical payments limit for spectators - The rented venue is automatically added as an additional insured — no separate certificate request
What’s Covered
- Insured claims for bodily injury, often including medical payments and lawsuits related to the event
- Covers Attendees and Spectators
- Protection against claims alleging physical damage to the venue
- Medical Payments often associated with bodily injury would be covered through this event insurance that occurred during the event
What’s Excluded / Not Covered
- Claims or activities directly related to the bounce house, inflatable and rented equipment.
- Claims or activities related to athletic participants in activities outside of activities of a spectator or attendee. A spectator can become a participant an obstacle course race (not covered) and then go back to be a spectator and trip over an electric cord and hurting themselves (Covered)
- Events that are overnight or go past 2 am
Examples
- A kid in a bounce house breaks his arm (not covered).
- A kid in a bounce house gets out and walks into the residence and slips and hits his head (covered)
- A guest attending a dinner party slips on a wet floor near a beverage station after the insured failed to place warning signs following a spill.
- A parent attending a children’s birthday party trips over a power cable running across a pedestrian walkway that was placed there by the insured.
- A visitor attending an arts and crafts fair trips on a curled floor mat placed at the entrance of the venue by the insured
Why offer it through Inflatable Office
- Coverage for the Risks That Come With Hosting an Event - a valuable offering to your customers.
- It's a meaningful add-on for your clients — most hosts don't think about liability until something goes wrong, and a low-cost option at the time of booking removes the friction.
- When a host carries their own event policy, it indirectly safeguards Rental Operators by putting a separate, dedicated layer in front of any commercial exposure you carry.
- It's a differentiator at quote time — operators who offer it stand out against ones who hand over a release form and hope for the best.
- Insurance charges are handled separately so your rental totals, bookkeeping, and payouts remain completely unaffected.
Backed by an A++ rated insurer with deep expertise in specialty risk. Marketed by Shield Knot Insurance Services, LLC
More Details
- Cost starts at $75.
- We are only offering this to users with Square or Fiserv as processor currently.
- You will have to do nothing. Everything is handled between ShieldKnot and your customer.
- For events over $750 in services, the policy will include a $1,500 coverage limit protecting your equipment from damage.
- Liability/injury and property damage due to the your rental equipment is excluded. Your liability policy would still cover that.
- Feel free to review a sample policy your users would have.
- Errors are gracefully handled in a way to make checking out still a priority and quickly skipping the insurance offer.
- This is excess insurance that covers after the existing applicable policies are exhausted.
- How it looks before any choice is made. A 'No' choice looks the same except 'No' is selected.
- Here's what it looks like when 'Yes' is chosen. There are 2 additional inputs and 5 questions along with a disclosure.
- Here's what it looks like after completing the questions in a way that insurance is available where it shows the coverage limits and the cost.
Multi-Location Accounts: Insurance preferences are managed per location. If you operate multiple locations, simply select each location in your Online Quoting settings and enable the setting for each one.
How It Works for Your Customers
When a customer opens their quote or contract checkout link:
- Optional Add-On: They will see an Event Insurance option with pre-filled event details.
- Quick Qualification: They answer a few standard underwriting questions.
- Instant Live Quote: The system instantly generates a customized premium quote from ShieldKnot.
- Seamless Checkout: When paying by credit card, their event payment and insurance premium are processed simultaneously.
- Instant Confirmation: Their receipt and contract show their policy number and coverage details immediately.
Payment & Checkout Requirements
- Supported Payment Methods: Available for credit card checkouts (Square and Fiserv).
- Payment Separation: Because insurance is charged separately from your equipment rental, payment methods like ACH/eCheck, digital wallets (Apple Pay/Google Pay), and gift cards are not eligible for the insurance add-on.
Frequently Asked Questions (FAQ)
Q: Does this change my rental pricing or lead balances?
A: No. The insurance charge is completely separate from your invoice total and does not affect your lead balances, sales tax, or merchant revenue.
Q: Can I turn it off at any time?
A: Yes. You can toggle Offer Event Insurance to No in your Online Quoting settings at any time. To opt out, choose “Keep disabled.” You can enable event insurance anytime.
Q: What happens if a customer chooses not to buy insurance?
A: Event insurance is entirely optional. Customers can leave the option disabled and proceed with their normal rental payment.
Q: Why was Square disabled in my account when I added SEL?
A: Square will disable and you must re-authenticate after enabling this setting for the first time. (This is done through Settings -> Merchant Services, Square, "Sign Into Square").
ShieldKnot Policy Support
File a Claim
All claims regardless of severity or location should be reported directly to American Claims Management (ACM). Losses can be reported 24/7. Insureds can report a claim via phone or email.
- Email: NewLossessCL@acmclaims.com
- Telephone: 888-799-2919
Customer Support
Please contact our dedicated customer service team with any questions:
- Phone: 888-681-5668
- Email: policyservice@shieldknot.io