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Direct Event Insurance
  • AM Best-rated insurance carriers, A rated
  • 99.5% Venue Acceptance
  • Refund if Rejected
  • Coverage in 5 Minutes

Legal

Terms of service

Last updated: May 18, 2026

Effective date: May 18, 2026

Jurisdiction: United States. Governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Disputes are resolved as set out in Section 15 (Governing law and disputes). Insurance coverage under any issued policy is governed by that policy and the insurance laws of the applicable state.

These Terms of Service (the "Terms") are a binding agreement between you and Direct Event Insurance ("DEI," "we," "us," or "our") governing your access to and use of directeventinsurance.com, the quote and application platform, the customer dashboard, the partner portals, and any related services (collectively, the "Services"). By accessing the Services, requesting a quote, or binding a policy through DEI, you accept these Terms. If you do not agree, do not use the Services.

DEI is a licensed retail insurance producer. We arrange coverage on behalf of insurers; we are not an insurer. The insurance contract is between you and the issuing carrier, and is governed by the policy documents the carrier issues to you, not by these Terms.

1. Eligibility and authority

You must be at least 18 years old and legally able to enter into contracts. If you use the Services on behalf of a business, association, nonprofit, or other organization, you represent that you are authorized to bind that entity, and "you" refers to both you individually and that entity. The Services are intended for use in the United States and for events taking place in the United States and its territories.

2. Our role as a producer

  • DEI is an independent insurance producer. The majority of our volume (roughly 80%) is placed with AM Best-rated insurance carriers; the remainder is placed with other A rated carriers and program administrators we are appointed with.
  • We help you compare and apply for coverage. We do not guarantee that any specific carrier will accept your application, that any quote will remain available, or that any particular limit, deductible, or premium will be offered.
  • Coverage is bound and underwritten by the issuing carrier subject to that carrier's underwriting guidelines and the terms of the policy. If there is any conflict between information on the Services and the issued policy, the issued policy controls.
  • DEI is compensated primarily by commissions paid by carriers and, where disclosed, by service or program fees. Specific compensation disclosures are available on request.

3. Quotes, applications, binding, and payment

  • Quotes. Indicative quotes are based solely on the information you provide and are subject to underwriting review and carrier confirmation. Quotes may be re-rated, modified, declined, or withdrawn before binding.
  • Accuracy of information. You agree that every answer you give in the application (event type, attendance, activities, venue, prior losses, vendor rosters, dates including setup and teardown windows, and similar facts) is true and complete. Material misrepresentations or omissions may void coverage retroactively, even after a claim.
  • Binding and effective dates. Coverage is not in force until the carrier accepts the risk, the premium and any applicable taxes and fees are paid in full, and the policy is issued. The effective date and time are set by the policy. Do not treat a quote, a saved application, or an in-progress payment as proof of coverage.
  • Payment. Premium and fees are collected electronically through the PCI-DSS compliant payment processor designated by the carrier or program administrator that issues your policy. DEI does not use Stripe as a payment processor. You authorize us and that carrier-designated processor to charge the payment method you provide. Premium amounts shown exclude taxes, state surcharges, and stamping fees unless explicitly stated otherwise.
  • Certificates of insurance. Certificates are informational and do not amend, extend, or alter the coverage afforded by the policy. Additional insureds named on a certificate have only the rights granted by the policy itself.

4. Venue acceptance refund guarantee

Our policies are accepted by 99.5% of U.S. venues. If your venue rejects the certificate of insurance issued under your DEI policy, we will refund you in full, provided that (a) you submit the venue's written rejection to claims@directeventinsurance.com before the policy effective date, (b) the rejection is not based on information that was misstated or omitted in your application, and (c) no claim has been reported against the policy. Cancellation in these circumstances is processed flat (no earned premium retained).

5. Cancellation and refunds

  • You may request cancellation by emailing service@directeventinsurance.com. Cancellation effective date and any refund are governed by the carrier's rules and applicable state law, not by these Terms.
  • Cancellations after the policy effective date are typically short-rated or pro-rated per the policy and state regulations; carrier or program fees and stamping/surplus-lines taxes are generally non-refundable.
  • A carrier may cancel or non-renew a policy in accordance with the policy terms and applicable law. We will pass through any cancellation notice we receive.

6. Claims

Claims are administered by the issuing carrier or its appointed third-party administrator. To report a claim, follow the instructions in your policy documents or contact claims@directeventinsurance.com and we will assist with intake. Coverage decisions, including acceptance, denial, reservation of rights, settlement, and payment, are made by the carrier under the policy.

7. Accounts and security

  • Some features (save-and-resume, customer dashboard, partner portals) require an account. You are responsible for the confidentiality of your credentials and for activity that occurs under your account.
  • Notify us immediately at security@directeventinsurance.com if you suspect unauthorized access.
  • We may suspend or terminate accounts that violate these Terms, create undue risk, or are used to attempt fraud.

8. Acceptable use

You agree not to:

  • Submit false, misleading, or fraudulent information.
  • Use the Services to apply for coverage you are not authorized to procure, or for risks intended to be sold or transferred to a third party without disclosure.
  • Probe, scan, scrape, reverse engineer, or interfere with the Services, our infrastructure, or any security controls.
  • Upload viruses, malicious code, or content that infringes a third party's rights.
  • Use the Services to violate any law, sanctions regime, or regulation, including state insurance laws and anti-money laundering rules.

9. Intellectual property

The Services, including all text, graphics, rate engines, copy, code, and branding (other than third-party trademarks), are owned by DEI or its licensors and are protected by U.S. and foreign intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for the lawful purpose of obtaining and managing insurance for yourself or the entity you represent. All other rights are reserved.

You retain ownership of information you submit. You grant DEI a worldwide, royalty-free license to host, process, transmit, and display that information as necessary to operate the Services and to perform our obligations to you and the issuing carriers.

10. Third-party services

The Services interoperate with third parties, including payment processors, identity and fraud screening, hosting (Cloudflare), our database and storage provider (Supabase), document signing, and email and SMS delivery. Your use of those third-party services is also subject to their own terms and privacy policies.

11. Electronic communications and signatures

You consent to transact with us electronically. This includes receiving policy documents, endorsements, certificates, billing notices, cancellation notices, regulatory disclosures, and other communications by email, SMS, or in-product messages. You agree that electronic signatures and records satisfy any requirement that a communication or signature be in writing.

12. Disclaimers

Educational content on the Services (guides, FAQs, glossaries, blog posts, and similar material) is provided for general information only. It is not legal, tax, or risk-management advice. Coverage decisions should be based on the actual policy language and, where appropriate, advice from a licensed professional.

EXCEPT AS EXPRESSLY STATED IN A POLICY ISSUED BY A CARRIER, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, DEI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. DEI DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR FREE, OR FREE OF HARMFUL COMPONENTS.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, DEI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF DEI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR (A) DEI'S OBLIGATION TO REMIT PROPERLY COLLECTED PREMIUM TO A CARRIER, (B) AMOUNTS OWED UNDER THE VENUE ACCEPTANCE REFUND GUARANTEE IN SECTION 4, AND (C) LIABILITY THAT CANNOT BE LIMITED BY LAW, DEI'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (I) THE FEES (NOT PREMIUM) PAID BY YOU TO DEI IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) ONE HUNDRED U.S. DOLLARS (US$100). NOTHING IN THESE TERMS LIMITS THE COVERAGE PROVIDED BY ANY POLICY ISSUED BY A CARRIER.

14. Indemnification

You agree to defend, indemnify, and hold harmless DEI and its affiliates, officers, directors, employees, and agents from any claim, demand, loss, liability, damage, fine, penalty, or expense (including reasonable attorneys' fees) arising out of (a) your misuse of the Services, (b) your breach of these Terms, (c) information you submitted that was inaccurate, incomplete, or fraudulent, or (d) your violation of any law or third-party right.

15. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Except where prohibited by applicable insurance law, any dispute arising out of or relating to these Terms or the Services that is not resolved informally within 30 days will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Collin County, Texas. The arbitrator may award the same remedies a court could award to the individual party. You and DEI each waive any right to a jury trial and to participate in a class, collective, or representative proceeding. Disputes about insurance coverage under a policy are governed by that policy and applicable state insurance law, not by this section.

You may opt out of arbitration by sending written notice to legal@directeventinsurance.com within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.

16. Changes to the Services or these Terms

We may modify the Services or these Terms at any time. Material changes will be communicated by updating the "Last updated" date and, where appropriate, by email or in-product notice. Continued use of the Services after the effective date of a change constitutes acceptance.

17. Termination

You may stop using the Services at any time. We may suspend or terminate your access to the Services or to particular features for any reason permitted by law, including suspected fraud, regulatory risk, or violation of these Terms. Sections that by their nature should survive termination (including Sections 9, 12, 13, 14, 15, and 18) will survive.

18. Miscellaneous

  • Entire agreement. These Terms and any documents they reference (including the Privacy policy and any specific product or partner terms) are the entire agreement between you and DEI regarding the Services. The insurance policy and its endorsements separately govern the insurance contract.
  • Severability. If any provision is held unenforceable, the remaining provisions remain in full force.
  • No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
  • Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
  • Notices. Legal notices to DEI must be sent to legal@directeventinsurance.com. We may send notices to you at the email address on file.

19. Contact

Direct Event Insurance
Attn: Legal
legal@directeventinsurance.com

See also our Privacy policy and Licenses.

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