Special Events Insurance

If you’re planning an event, from a bridal shower, to a festival, prepare for the unexpected with special events insurance.

We can provide protection for thousands of special event operations of all sizes for your business.  It doesn’t matter if you need coverage for one day or one year!

Special Events

• Festivals
• Reunions
• Hole-in-one contests
• Tagged fish contests
• Dances
• Theater performances
• Concerts
• Sporting events
• Rain insurance
• Auctions
• Art and craft shows
• Haunted Houses
• Bridal showers
• Baby showers
• Games of chance
• Christmas tree lots
• Hay rides
• Pumpkin patches
• Fairs (small to mid-size)
• Concession stands

Coverages Offered for these types of events

General liability up to $1,000,000, including:

• Advertising injury;
• Personal injury;
• Damage to property rented; and
• Liability of club members and volunteers

Participant Legal Liability

• Coverage for injuries to sports participants

Liquor Liability

• Coverage for the sale and/or serving of alcohol

Commercial Auto

• Owned;
• Non-owned; and
• Hired by you

Special events insurance in action

Special event insurance is there for the low-probability, but financially catastrophic events that can happen at a gathering of people. Here are some instances of cases where special event insurance was able to help out those throwing the event.

• 2009 – A woman cut her lip on a drinking glass at a winter antique show.
  Claim: $10,000.00 for medical damages.
• 2002 – A man tripped over an electrical cord (taped to the floor) at a music festival. He broke his patella (knee).
  Claim: $2,500.00 for medical damages.
• 2012 – A fight broke out at a concert, both of the individuals involved sustained injuries as did a handful of bystanders.
  Claim: $100,000.00 for medical expenses and lack of adequate security.
• 2011 – An intoxicated woman left a fundraising event in a motor vehicle and injured another person in an automobile accident.
  Claim: $25,000.00 for medical expenses and liquor liability.
• 2008 – A speaker falls at a concert and injures a male concertgoer.
  Claim: $115,000.00 for medical expenses.

While the probability of these accidents happening at your event are slim, they do happen. Special events insurance gives you peace of mind and can save money.

Questions about special events insurance? Click here to contact us today for a free estimate on your unique event.