Special Event Insurance
Special Event insurance can be used to cover a wide variety of short term events, generally lasting ten days or less. We handle insurance that is tailored to the specific market needs of promoters of recreational, competitive and other events, and owners of restaurants, bars and taverns. Having a separate policy for special events will help spare other limits from being reduced by a special events loss and is particularly useful when a third party demands proof of insurance!
Advantages
- Liability coverage with other options, including liquor liability, equipment coverage, event cancellation, and weather insurance.
- Protects an insured financially against unforeseen circumstances such as damage to rented properties, medical payments.
- Food and beverage product liability.
- Automatic protection for volunteers, temporary or leased workers and committee members.
Capabilities
- Primary and excess liability coverage for unique exposures of limited duration which require varied and specialized terms, conditions and coverages (generally issued to sponsors, organizers, performers and participants of tradeshows, parades, flea markets, concerts, fairs, weddings and other events).
- Under short term events, we can provide General Liability and/or Liquor Liability coverage for short-term events with up to 10,000 attendees per day (GL) or 10,000 consumers (Liquor) for most risks.
- Host Liquor Liability coverage for one day events for up to 500 attendees when obtained in conjunction with General Liability.
Examples of Covered Events
- Weddings/Receptions
- Housewarming
- Anniversary Party
- Baby Shower
- Baptism
- Beer Gardens/Beer Tents
- Concerts/Musical Performances
- Festivals/ Fairs/ Carnivals
- Parties
- Engagement Party
- Sporting Events
- Motor Vehicle Events
- Car Shows
- Bar/Bat Mitzvah
- Conventions/Trade Shows/Exhibits
- Fund Raisers
- Parades
- Picnics
- Reunions
- Dances
- Conferences
- Hay Rides
- Luncheons
- Fundraisers
- Many More
What We Need
- Acord Applications
- Supplemental applications in certain situations
- Description of the account, including website address
- Description of any risk management, including any unusual steps the account has taken to reduce losses
