Third Party Property Damage

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Real-Life Claim Scenario: Caroline rented an elegant ballroom for her husband’s 50th birthday party. Unfortunately, a bottle of red wine was broken during the celebration, staining both the custom Persian carpet and adjacent travertine floor. The custom design called for a replacement of the entire carpet and a large section of travertine floor – amounting to $48,500. The facility owner sued Caroline to recoup the expenses. Fortunately, Caroline had purchased Third Party Property Damage (Care, Custody, Control Liability), so the loss was covered. Her $25 insurance investment paid off in a big way!

Estimated cost with Third Party Property Damage: $25
Estimated cost with NO Third Party Property Damage: $48,500

A Smart Solution:
RVNA Care, Custody, Control Liability (Third Party Property Damage) coverage option

Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured. Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage available when purchasing Event Liability Insurance. There is a $2,500 deductible.

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