Events are expensive. Life is unpredictable.

With all of the time, effort, planning and funding that goes into special events, aren’t they worth protecting?

As wedding season and summer event time approaches, be sure to ask your clients if this is a coverage that they need.

Special Event Insurance can help to cover all sorts of events. We have a wide range of acceptable classes of business including:

  • Social Events

    • Weddings, banquets, reunions, retreats, dances, baptisms, bar mitzvahs, ect.

  • Sporting Events and Competitions

    • Races, Dance Teams, Golf Tournaments, ect.

  • Musical Events and Entertainment

    • Awards Shows, Carnivals, Dance Competitions, Comedy Shows, Circus, ect.

  • Trade Shows/ Business Events

    • Auctions, Antique Shows, Business Conferences, Speaking Engagements, Toy Drives, ect.

  • Educational Events

    • Conferences, Educational Seminars, Lectures, ect.

  • Fairs & Festivals

    • Fireworks Shows, Festivals, Ect.

Key Features:

General Liability

• Comprehensive General Liability – limits available such as $1M per occurrence/$3M aggregate

• Premises Liability

• Personal Injury Liability

• Abuse & Molestation coverage available

• Liquor Liability coverage available

Umbrella/Excess Liability

• Large Excess Limits available

Automobile

• Owned/Non-Owned/Hired Auto

Event Cancellation

• Available for certain Social/Life Events. Must be written with General Liability

Claim Scenarios:

  • $100,000– During a concert sponsored by the insured, a fight broke out in
    the stands. In addition to the individuals involved in the fight,
    three innocent bystanders sustained injuries. Claims have been
    filed by the innocent bystanders for lack of proper security.
  • $10,000– At a winter antique show the claimant allegedly cut her lip when a glass she was drinking from broke.
  • $10,000– Claimant who was found to be intoxicated, states that a chair
    was taken away by one of the insured’s employees as he was
    sitting down, causing him to fall to the ground and injure his
    back. He was taken to the emergency room and released.
  • $2,500– During a fundraising event, the claimant tripped over an electrical cord that was taped to the floor and sustained a knee injury.
  • $2,500– During a golf tournament, a spectator was struck in the head by
    a golf ball and sustained a concussion.

Please contact an Account Specialist in our Property and Casualty Department at 847-427-8000 if you have any questions or would like to pursue a quote for this coverage.