Please read the following notices and disclosures, as they may affect your application for insurance.

Fully Earned Premium Notice

The premium for your Event Liability and Event Cancellation insurance policies is fully earned upfront upon payment. This means that the entire premium amount is due at the time of purchase and, except in specific circumstances outlined below, is non-refundable once the policy is issued.

If the insurance company cancels your policy for any reason, the full premium will be returned to you. However, if you, as the insured, choose to cancel the policy after it has been issued, all premiums are fully earned by the company, and no refund will be provided.

In the event that your event is canceled or postponed for a valid reason covered under the Event Cancellation policy, your claim may cover the costs associated with the Event Liability premium, but the Event Cancellation premium remains non-refundable.

Should your policy require changes, the premium you have already paid will apply as a credit toward the revised policy. If the policy revisions result in a decrease in premium, the difference will be refunded to you.

Please be aware that these terms may not apply in all states due to specific state regulations. We recommend checking with us to confirm how these policies apply in your state.

Known Circumstances Notice

In applying for this policy, you represent that there are no known circumstances at the time of purchase that might reasonably give rise to a claim. This means you are not aware of any situation or condition that could lead to the cancellation, postponement, or alteration of your event.

Please be aware that we will not pay for any loss resulting directly or indirectly from any circumstance known to you at the date of issue that could reasonably be expected to lead to a claim. This applies even if you purchase Change of Heart coverage. Known circumstances are not covered under any part of the policy.

If you are aware of any such circumstances, please disclose them to us prior to purchasing the policy so we can assess your coverage needs appropriately.

COVID-19 and Communicable Disease Notice

Please be advised that our Event Cancellation policy contains specific exclusions related to COVID-19 and other communicable diseases. While we do provide coverage if you or key individuals fall ill, we do not cover cancellations or postponements resulting from event venue closures by government order due to a communicable disease.

We will not pay for any loss resulting directly or indirectly from actual or alleged exposure to, transmission of, or contraction of any communicable disease. This exclusion applies even if the cancellation or postponement is due to fear or threat of such exposure, transmission, or contraction. Additionally, losses caused by any governmental order or directive prohibiting or limiting gatherings due to a communicable disease outbreak, epidemic, or pandemic are not covered. This includes situations where the event venue is closed directly or indirectly because of exposure to a communicable disease, even if the closure is voluntary.

However, this exclusion does not apply if a qualified medical physician determines that a communicable disease entirely prevents you, the honoree, immediate family members, or an active participant from appearing or continuing to appear in the event. The illness must first occur during the policy period, be the sole and direct cause of the necessary cancellation or postponement, and happen before any guidance or advice is issued by public, local, national, or international authorities to prevent, control, suppress, or respond to that communicable disease.

Known circumstances related to communicable diseases are not covered under any part of the policy.

Due to specific state regulations, this policy provision may not apply in all states. We recommend checking with us to confirm how this applies in your state.

Electronic Delivery Notice and Consent

By applying for coverage with BriteCo, you consent to conduct transactions electronically and agree to receive all insurance-related documents and communications electronically. This includes applications, policies, endorsements, notices, disclosures, billing statements, and any other information related to your coverage. All documents and notices will be delivered to the email address you have provided. It is your responsibility to ensure that this email address is accurate and kept up-to-date.

You have the right to withdraw your consent to receive documents electronically at any time, without any fees or conditions. To withdraw your consent, please notify us in writing by sending an email to [email protected] or by mailing a written notice to:

Attn: Compliance Department

BriteCo Inc.

805 Greenwood Street

Evanston, IL 60201

Upon receipt of your withdrawal, we will provide all future documents and communications in paper form via postal mail to the address we have on file. Please note that withdrawing your consent does not affect the legal effectiveness or enforceability of any documents delivered or signed electronically prior to your withdrawal.

If you need to update your email address or other contact information, please contact us promptly to ensure continuous receipt of our communications. You can update your information by emailing us at [email protected] or by writing to us at the address above.

To access and retain electronic documents from BriteCo, you will need a computer or mobile device with internet access, a valid email account, a current web browser with 128-bit encryption (such as the latest versions of Chrome, Firefox, Safari, or Edge), software capable of viewing PDF files (like Adobe Reader), and sufficient electronic storage capacity to save documents or a printer to print them. By consenting, you confirm that you have access to the necessary hardware and software to receive, view, and retain electronic documents.

You have the right to request a paper copy of any document provided electronically at no charge. To request a paper copy, please contact us at [email protected] or call us at 312-809-9100.

By proceeding with your application and selecting “I Agree” or a similar acknowledgment, you confirm that you have read and understand this Electronic Consent and Delivery Notice. You consent to receive documents and communications electronically, meet the hardware and software requirements listed above, understand your right to withdraw consent and how to do so, and agree that your electronic signature is legally binding.

Your privacy is important to us. We employ reasonable security measures to protect your personal information; however, please note that email communications may not be secure against interception. For more information, please review our Privacy Policy available on our website.

Disclaimer: This notice provides important information about electronic transactions and communications with BriteCo. It does not modify the terms and conditions of any insurance policy. Please refer to your policy documents for complete details of your coverage. In the event of any conflict between this notice and your policy, the terms of the policy shall govern.

Electronic Signature Notice and Consent

By checking the box next to “I’ve read, understand, and agree to the Notices & Disclsoures” and clicking “GET COVERAGE” button, you consent to use an electronic signature to complete the application process. If you do not check the box, and click “GET COVERAGE”, you will not be able to apply for insurance online; however, you may request paper copies of all documents and apply by fax or mail.

By checking the box next to “I’ve read, understand, and agree to the Notices & Disclsoures” and clicking “GET COVERAGE” button, you agree that your electronic signature is the legal equivalent of your manual signature on all documents related to this transaction. You consent to be legally bound by the terms and conditions of the documents you sign electronically. You also consent to receive all disclosures, notices, and other communications electronically, including but not limited to applications, policies, endorsements, and billing statements. This consent applies to the entire insurance application process and any subsequent transactions with BriteCo.

You have the right to request paper copies of any electronic documents at no cost. To request a paper copy, please contact us using the information provided below. You may withdraw your consent to conduct business electronically at any time by notifying us in writing. Please note that withdrawing consent may delay the application process and may require you to complete transactions via mail or in person.

To access and retain electronic records, you will need a computer or mobile device with internet connectivity, a valid email address capable of receiving communications from us, a current web browser with 128-bit encryption (such as the latest versions of Chrome, Firefox, Safari, or Edge), software to view PDF files (like Adobe Reader), and the ability to download and store electronic documents. By providing your consent, you confirm that you have the necessary hardware and software to access and retain electronic records.

It is your responsibility to keep your contact information current so that we can communicate with you electronically. To update your email address or other contact information, please contact us at:

[email protected]

or

Attn: Compliance

BriteCo Inc.

805 Greenwood Street

Evanston, IL 60201

We are committed to ensuring the security of your personal information. However, electronic communications may not be secure against interception. Please take appropriate measures to protect your personal information.

Disclaimer: This notice is provided in accordance with applicable laws governing electronic transactions and signatures. It does not modify the terms and conditions of any insurance policy. Please refer to your policy documents for complete details of your coverage. In the event of any conflict between this notice and your policy, the terms of the policy shall govern.

Overview Of Rates and Rules for Coverage

We use information about you, your event, and your insurance coverage to decide whether to insure you and how much you’ll pay for event insurance. We get this information from you and from other third parties, namely your reception venue. All of this information is linked to “factors” that affect how much you’ll pay for insurance, or how we “rate” you as an insurance risk. These factors are described below. These factors are not simply surcharges; some factors provide discounts that reduce your premium.

Factors Relating to Special Event Liability Insurance

The following factors influence your premium for special event liability insurance:

1.       Insured Limit – The each occurrence and general aggregate limits selected affects the overall rate. There is a surcharge for limits over $1M each occurrence and $2M general aggregate.
2.       Liquor Liability – Our standard policy provides coverage for host liquor liability. 
3.       Optional Coverages – Your venue may require a subrogation waiver or primary non-contributory wording. These will be pre-selected in your application for coverage. There is a surcharge to add these coverage options.
4.       Medical Payments – This is no fault coverage that pays medical bills stemming from accidents. Medical payments is not included with our standard policy. You  may select this coverage for an additional charge.
5.       Attendee Count – There is a surcharge if  the attendee count is over 500.
6.       Affinity Discount – There is a credit if you are referred to us by one of our affinity partners. (Ask your venue or wedding planner if they are part of the BriteCo program.)
7.       Multi-Policy Discount – There is a credit if you purchase both liability and cancellation coverage simultaneously.

Factors Relating to Special Event Cancellation Insurance

1.       Insured Limit – The insured limit should reflect your overall cost of the event. The marginal rate for coverage decreases at the total limit increases.
2.     Change of Heart — This optional coverage will reimburse you 75% of non-refundable wedding expenses for a covered change of heart, including a qualifying breakup. There is a surcharge related to this coverage. There are some limitations mentioned in the above notices.
3.       Affinity Discount – There is a credit if you are referred to us by one of our affinity partners. (Ask your venue or wedding planner if they are       part of the BriteCo program.)
4.       Multi-Policy Discount – There is a credit if you purchase both liability and cancellation coverage simultaneously.

Ineligible Risks

The following risks are ineligible for coverage with BriteCo:

1.       Events that require more than $5M/$5M of liability coverage.

2.       Events with total costs over $2M

3.       Events with 2,000 attendees or more.

4.       Destination events outside of the United States and its territories.

5.       Events that take place on a cruise.

6.       Events that charge for participation or entrance. We do not insure any for profit events.

By checking the box next to “I’ve read, understand, and agree to the Notices & Disclosures” and clicking “GET COVERAGE” button, you represent that your event is eligible according to the above criteria.

Representations

By checking the box next to “I’ve read, understand, and agree to the Notices & Disclosures and clicking “GET COVERAGE” button, you represent the following:

1.       This application for insurance is true and accurate to the best of your knowledge.

If we find evidence of material misrepresentation or fraud, we reserve the right to:

1.   Deny your claim for coverage;
2.   Adjust the premium for the risk;
3.   Void or cancel your policy, even if the event has taken place;
4.   Report the misrepresentation or fraud in accordance with our duties as a licensed agency; and/or
5.   Invalidate your future eligibility for any insurance products we offer.
6.       If your event involves a cat or dog:
7.   Your cat or dog does not have a history of biting, attacking, or exhibiting aggressive or violent behavior towards any person or animal; and
8.   Your cat or dog has not been specifically trained to attack, guard, or fight. 
9.       With the exception of professional, hired security guards, you, the honorees, active participants, and attendees will not bring any firearms, knives, or other weapons to the event.
10.       Your event will not take place on or directly over any body of water. This includes, but is not limited to, locations such as rafts, docks, boats, barges, floating platforms, pontoons, kayaks, canoes, sailboats, jet skis, and any other vessels or floating structures.

Events may be held on permanent structures situated over water only if the following safety criteria are met: 

1.   The structure is supported by secure foundations, such as pillars driven firmly into the ground.
2.   It is equipped with adequate railings or other safety barriers to prevent individuals from falling off.
3.   It includes safety devices designed to assist in the event of a drowning incident, such as life rings or flotation devices.
4.   The structure has been built legally, is affirmed to be safe by the appropriate authorities, and operates legally with proper reultory approvals and licenses. 

Under no circumstances will events be permitted on boats or any mobile watercraft resembling boats.

5.       You will not use, distribute, or contribute to the use or distribution of illegal drugs or controlled substances, excluding alcohol and prescription medications, during the event. Furthermore, you have no knowledge of any vendors, family members, active participants, or attendees who plan to use, distribute, or contribute to the use or distribution of illegal drugs or controlled substances at the event.
6.       Before applying for coverage, you have disclosed any event liability or event cancellation insurance claims, or lawsuits, incurred by you and/or the honorees in the past 10 years. You will disclose:
7.   The type of event giving rise to the loss or suit;
8.   The date of the loss or suit;
9.   The total indemnity payment for the loss or suit, but if the claim is still outstanding, the demand damages from the plaintiff; and
10.   The circumstances surrounding the loss;

Underwriting Process Notice

At BriteCo, we strive to provide comprehensive and tailored insurance solutions to meet your event needs. Based on the information you have provided in your application, we may refer your submission to our underwriters for a thorough manual review. This referral allows our underwriters to conduct a detailed assessment of your event’s insurability.

During this manual review process, our underwriters may request additional information or documentation related to your event to ensure an accurate evaluation. You will be contacted directly by our underwriters to obtain the necessary details. It is essential that you respond promptly and cooperate fully with these requests to facilitate a timely decision regarding your application. Failure to provide the requested information within the specified timeframe may result in the denial of your application.

Please be assured that all information provided during the underwriting process is handled with the utmost confidentiality and in accordance with our privacy policies. Our underwriters’ decisions are final and based solely on the information available at the time of review. Except for any unintentional errors in your application, the determinations made by our underwriters are conclusive. If your application is denied following the referral process, you will be ineligible to apply for insurance coverage for that particular event. However, this decision does not affect your eligibility to apply for insurance coverage for future events.

BriteCo is committed to transparency and fairness in our underwriting process. Should you have any questions or require further assistance during this process, please do not hesitate to contact our customer service team at [email protected] or call us at 312-0809-9100.

Disclaimer: This notice outlines the underwriting process for insurance applications at BriteCo. All underwriting decisions are subject to BriteCo’s underwriting guidelines and applicable laws and regulations. For more detailed information, please refer to our Terms and Conditions or contact our support team.

Statutory Conflict Notice

At BriteCo, we are committed to ensuring that our policies, notices, and disclosures comply with all applicable local, state, and federal laws and regulations. In the event that any of the notices presented on this page or any linked pages conflict with the laws of your state, the governing state laws will take precedence. This means that state-specific regulations and statutes will override any conflicting terms or conditions outlined in our notices.

We encourage all applicants and policyholders to familiarize themselves with the insurance laws and regulations applicable in their respective states. Should you find any discrepancies or have concerns regarding the compatibility of our notices with your state laws, please contact us directly for clarification and guidance. Our team is dedicated to assisting you in understanding how local laws may affect your coverage and the terms of your policy.

BriteCo does not intend to contravene any state laws, and our primary goal is to provide transparent and lawful insurance solutions tailored to your needs. By using our services and accessing our website, you acknowledge and agree that in cases of statutory conflict, the laws of your state will govern and prevail over any conflicting information provided by BriteCo.

For further assistance or to discuss how state laws may impact your insurance coverage, please reach out to our customer service team at [email protected] or call us at 312-809-9100.

Disclaimer: This Statutory Conflict Notice is intended to inform users that state laws take precedence over any conflicting terms found on our website or in our documents. It does not replace legal advice, and users should consult with a qualified legal professional to understand how state laws may affect their insurance policies and related documents.

Other Required Notices

At BriteCo, we are dedicated to maintaining transparency and compliance with all applicable insurance regulations and state laws. As part of your insurance coverage, we are required to provide you with certain essential notices. For your convenience, these notices are available in PDF format. We strongly encourage you to read them carefully to fully understand your rights and obligations.

The required notices include:

Fraud Warning

Privacy Notice

Information We Collect and Use

Venue Communication: By filling out an application, you acknowledge and agree that BriteCo may contact the venues listed on your application. This communication ensures appropriate coverage amounts, compliance with required language, effective distribution of coverage details, and facilitates additional benefits that may enhance your or others’ customer experience.

CCPA Privacy Notice (California Residents Only)

These documents contain important information regarding the prevention of insurance fraud, the protection and use of your personal information, and your privacy rights under the California Consumer Privacy Act (CCPA), if applicable.

You can access and download these notices by visiting our Notices and Disclosures page or by contacting us directly. Ensuring you are informed about these notices is crucial for understanding the terms and conditions of your coverage with BriteCo.

If you have any questions or require assistance in accessing these documents, please do not hesitate to reach out to our customer service team.

Contact Information

For further assistance, please contact us at:

Email: [email protected]

Phone: 312-809-9100

Mail:

Attn: Compliance

BriteCo Inc.

805 Greenwood Street

Evanston, IL 60201

Payment Terms and Conditions

At BriteCo, we strive to provide seamless and efficient service to our valued customers. To facilitate the issuance of your insurance policy, we accept both debit and credit card payments. It is essential to complete the payment process promptly, as payment is required for us to issue your policy and activate your coverage.

Please be aware that any chargebacks initiated on your debit or credit card may have serious implications for your insurance policy. In the event of a chargeback, BriteCo reserves the right to decline any pending claims associated with the policy, as well as to cancel or void the policy entirely. Chargebacks disrupt our ability to maintain accurate and reliable records, which are critical for the administration of your coverage.

Furthermore, BriteCo reserves the right to report any chargebacks to the relevant credit reporting agencies. Such reports may reflect negatively on your credit history, particularly in cases of late payment or default. Maintaining timely and accurate payments is crucial to ensuring uninterrupted coverage and safeguarding your financial standing.

By choosing to proceed with a debit or credit card payment, you acknowledge and agree to these terms and conditions. We encourage all applicants to review their payment methods carefully and to address any potential issues with their financial institutions to prevent unnecessary disruptions to their insurance coverage.

For any questions or assistance regarding payment options or issues related to chargebacks, please contact our billing department at [email protected] or call us at 312-809-9100. Our team is here to help you navigate any payment concerns and ensure that your insurance needs are met with the highest level of service. 

Disclaimer: This Payment Terms and Conditions notice outlines the policies regarding accepted payment methods, the necessity of timely payments for policy issuance, and the consequences of chargebacks. It does not modify the terms and conditions of your insurance policy. Please refer to your official policy documents for comprehensive coverage details. In the event of any conflict between this notice and your policy, the policy documents shall govern.