Special Events Coverage
Coverage for special events, gatherings, and activities
Planning a special event often means coordinating venues, vendors, participants, guests, and other moving parts. Special events coverage can help protect event organizers against certain liability and other risks associated with hosting an event.
I work with insurance carriers that offer coverage for a broad range of sporting, social, educational, cultural, religious, and other special events. Depending on the event and its specific circumstances, available coverage may include general liability, accident medical, inland marine, abuse and molestation, excess liability, and other available protections.
What can Special Events Coverage include?
General Liability
General liability coverage can help protect against certain claims involving bodily injury, property damage, and other covered liabilities arising from an event. Available limits vary by carrier and event and may include limits of $1 million/$2 million, $1 million/$3 million, or higher.
Accident Medical
Standalone accident medical coverage may be available for eligible participants and attendees.
Inland Marine
Inland marine coverage may be available for eligible property and equipment associated with an event, including options to blanket certain unscheduled items.
Additional Coverage Options
Depending on the event and carrier, additional coverage may include:
Abuse and molestation
Excess liability
Host liquor coverage
Liquor liability
Damage to rented premises
Additional insured and waiver of subrogation provisions
What Types of Events Can Be Covered?
Available carriers can accommodate a wide range of events, including:
Sporting Events
Amateur tournaments, races, marathons, cycling events, golf, tennis, soccer, baseball, basketball, swimming, rowing, dance, yoga, and other eligible sporting activities
Weddings & Celebrations
Weddings, receptions, rehearsals, graduations, proms, quinceañeras, parties, banquets, religious celebrations, and other private or community gatherings
Arts, Entertainment & Cultural Events
Concerts, theatrical performances, festivals, art shows, fashion shows, film showings, pageants, recitals, and cultural events
Educational & Professional Events
Conferences, conventions, meetings, seminars, workshops, lectures, trade shows, career fairs, and educational programs
Community & Specialty Events
Fairs, farmers markets, auctions, holiday events, fundraisers, antique shows, automobile shows, pet events, camps, parades, and other eligible activities
Eligibility varies by carrier. Some activities may have specific restrictions or underwriting requirements.
Event Vendor & Entertainer Insurance
For certain vendors and entertainers providing services at events, specialized coverage may be available through event vendor and entertainer programs.
Depending on the policy, coverage can include general liability and professional liability for bodily injury, third-party property damage, medical payments, legal defense, and errors and omissions.
Some programs offer flexible coverage periods, including hourly, daily, monthly, or annual policies.
What information will I need?
To explore coverage for your event, I will generally need:
Type of event
Date, duration, and location
Expected attendance
Activities taking place
Whether alcohol will be served or sold
Vendors or entertainers involved
Insurance requirements from the venue or other parties
Required liability limits
How can I get coverage for my event?
Special events can vary considerably in their activities, locations, attendance, and insurance requirements.
Contact me to discuss your event, and we can work together to explore available coverage options through the insurance markets I have access to. Eligibility, coverage, limits, and pricing are subject to carrier guidelines and underwriting.
Special Events Coverage available in*:
California
Texas
Washington
*Licensing does not guarantee that every insurance product or carrier is available in every state. Carrier appointments, underwriting requirements, product availability, and eligibility vary by state and by individual risk.
If I am not currently licensed to offer the insurance solution(s) you are seeking in your state, I may be able to obtain the necessary licensing or connect you with a licensed professional who can assist you.
