PENNSYLVANIA EVENT INSURANCE

Harrisburg and Hershey venues require $1M per occurrence / $2M aggregate liability coverage. State government venues have specific requirements.

• State Government Venues
  Events at or near the State Museum of Pennsylvania, Capitol grounds, and state facilities require certificates naming “Commonwealth of Pennsylvania” or the specific agency as Additional Insured.
• Historic & Mansion Venues
  The Civic Club of Harrisburg, John Harris-Simon Cameron Mansion, and historic venues require same-day proof of insurance with the property named as Additional Insured.
• Hotels & Conference Centers
  Hilton Harrisburg and downtown properties require certificates with property-specific Additional Insured endorsements.
• Hershey Resort Venues
  The Hershey Hotel, Hershey Lodge, and Hershey resort properties require certificates naming “Hershey Entertainment & Resorts Company” as Additional Insured. Large conferences and multi-day events have specific requirements.
• Riverfront & Modern Venues
  Riverfront Park, Sunken Gardens, and The Millworks require certificates with the appropriate government entity or property as Additional Insured.

Popular Harrisburg & Hershey Venues We Cover
Harrisburg and Hershey venues—from The Civic Club of Harrisburg to Hershey Lodge—all accept our coverage. State government venues require Commonwealth Additional Insured wording; we provide certificates with the exact language required. Hilton Harrisburg, The Millworks, and Hershey resort properties accept our standard coverage. For political events, conferences, or family reunions, we meet all requirements.

Lancaster venues require $1M per occurrence / $2M aggregate liability coverage. Barn and farm venues are especially popular and have specific requirements.

• Barn & Farm Venues
  The Farm at Eagles Ridge, Landis Valley Village & Farm Museum, and Lancaster’s signature barn venues require certificates naming the property as Additional Insured. Historic barn venues (especially restored 1800s structures) often require proof of insurance well in advance due to fire risk considerations.
• Historic & Urban Venues
  Excelsior Lancaster, Cork Factory Hotel, and The Trust Performing Arts Center require same-day proof of insurance with the property named as Additional Insured.
• Inns & Resort Venues
  The Inn at Leola Village, Lancaster Marriott at Penn Square, and country inns require certificates with property-specific Additional Insured endorsements.
• Cultural & Village Venues
  Kitchen Kettle Village and heritage venues require liability coverage plus venue-specific Additional Insured endorsements.

Popular Lancaster Venues We Cover
Lancaster’s venues—from The Farm at Eagles Ridge to the Cork Factory Hotel—all accept our coverage. Barn and farm venues require property-specific Additional Insured wording; we provide certificates with the exact language required. Excelsior, The Inn at Leola Village, and Lancaster Marriott accept our standard coverage. For rustic barn weddings, heritage celebrations, or countryside retreats, we meet all requirements.

Lehigh Valley venues require $1M per occurrence / $2M aggregate liability coverage.

• Historic & Restored Venues
  Vault 634 (Allentown), Hotel Bethlehem, and State Theatre Center for the Arts (Easton) require certificates naming the property as Additional Insured.
• SteelStacks (Bethlehem)
  SteelStacks—set against the iconic Bethlehem Steel blast furnaces—requires certificates naming “ArtsQuest” or the appropriate entity as Additional Insured. Musikfest and large festival events have specific requirements.
• Resort & Estate Venues
  Bear Creek Mountain Resort (Macungie) and Glasbern Inn (Fogelsville) require same-day proof of insurance with the property named as Additional Insured.
• Vineyards & Wineries
  Blue Mountain Vineyards & Cellars and Lehigh Valley wineries require $1M/$2M liability with the winery named as Additional Insured. If alcohol is served (not sold), host liquor liability is included in our policies.
• University Venues
  Lehigh University, Muhlenberg College, and Lafayette College facilities require certificates naming the institution as Additional Insured.

Popular Lehigh Valley Venues We Cover
The Lehigh Valley’s venues—from Vault 634 to SteelStacks—all accept our coverage. SteelStacks and festival venues require entity-specific Additional Insured wording; we provide certificates with the exact language required. Bear Creek Mountain Resort, Hotel Bethlehem, and Blue Mountain Vineyards accept our standard coverage. For vineyard weddings, music festivals, or corporate offsites, we meet all requirements.

State College and Erie venues require $1M per occurrence / $2M aggregate liability coverage.

• Penn State University (State College)
  Events at Penn State facilities—including the Penn Stater Hotel and Conference Center, Bryce Jordan Center, Beaver Stadium, and The Arboretum at Penn State—require certificates naming “The Pennsylvania State University” as Additional Insured. We provide certificates meeting Penn State’s specific requirements.
• State College Venues
  Toftrees Golf Resort, The Graduate State College, and Mountain View Country Club require same-day proof of insurance with the property named as Additional Insured.
• Erie Bayfront Venues
  Bayfront Convention Center and Sheraton Erie Bayfront Hotel require certificates naming the property and the Erie County Convention Center Authority as Additional Insured.
• Presque Isle State Park (Erie)
  Events at Presque Isle State Park require certificates naming “Commonwealth of Pennsylvania, Department of Conservation and Natural Resources (DCNR)” as Additional Insured. State park events have specific permit requirements.
• Erie Cultural & Club Venues
  Warner Theatre, Erie Art Museum, Lake Shore Country Club, and The Brewerie at Union Station require liability coverage plus venue-specific Additional Insured endorsements.

Popular State College & Erie Venues We Cover
State College and Erie venues—from Beaver Stadium to the Bayfront Convention Center—all accept our coverage. Penn State requires university-specific Additional Insured wording; we provide certificates with the exact language required. Presque Isle State Park requires DCNR Additional Insured wording; we deliver certificates with the exact language. For Penn State reunions, lakeside weddings, or waterfront festivals, we meet all requirements.

Pennsylvania Special Occasion Permits (PLCB)
Pennsylvania requires a Special Occasion Permit from the Pennsylvania Liquor Control Board (PLCB) for organizations selling alcohol at fundraising events. Permits are limited to eligible nonprofit entities and may be used up to nine days plus an additional 10 consecutive days per calendar year. First-time applicants must apply 30 days in advance; returning applicants need 10 business days. Permit holders must notify local police 48 hours before the event. Most private events (weddings, parties) where alcohol is served free—not sold—don’t require a permit. Host Liquor Liability is included in all our policies at no extra cost.

Pennsylvania Dram Shop & Social Host Liability
Pennsylvania has strict dram shop laws. Licensed establishments (including caterers and bar services with liquor licenses) can be held liable for serving visibly intoxicated patrons or minors who later cause harm. Social hosts (private individuals without a liquor license) are generally NOT liable for serving intoxicated adults, but ARE liable for serving anyone under 21. If you hire a licensed caterer or bar service for your event, they carry dram shop liability—but most venues still require you to carry your own event liability coverage.

City of Philadelphia Requirements
Philadelphia has some of the most specific insurance requirements in the state. Certificates for City property and Fairmount Park must name “City of Philadelphia, its officers, employees and agents” as Additional Insured AND specifically reference your event name and date. We provide certificates with this exact wording.

Pennsylvania State Parks (DCNR)
Events at Pennsylvania State Parks (including Presque Isle in Erie) require certificates naming “Commonwealth of Pennsylvania, Department of Conservation and Natural Resources (DCNR)” as Additional Insured. State park events have specific permit timelines and requirements.

Tent Permits
Many Pennsylvania municipalities (especially Philadelphia) require separate tent permits for tents over 10′ x 10′, which require proof of $1M general liability coverage. If your event uses tents, factor this into your planning.

University Venue Requirements
Pennsylvania’s many universities (Penn State, Pitt, Penn, Temple, Lehigh, and others) each require specific Additional Insured wording naming the institution. We provide certificates meeting each university’s requirements.

Winter Event Considerations
Pennsylvania winters bring snow and ice that can affect event access, especially in the Poconos and western PA. For winter events, consider event cancellation or postponement coverage. Review your policy for weather-related triggers.