Event Liability & Property Damage Insurance
Summary of Coverage
Special Event Liability & Property Damage Insurance is a specialty insurance policy designed to indemnify you (the insured) from certain types of claims arising from accidents taking place during a covered event. It offers you protection from damage to the facility caused by a guest or vendor, and bodily injury to guests you are found liable for during the event. It is written in a manner that meets the insurance requirements that most venues require for you to host an event at their location. You can view a sample policy or sample medical policy here.
Per Event Limits**:
$2,000,000.00 | General Liability Aggregate |
$1,000,000.00 | GL Products/Completed Operations |
$1,000,000.00 | GL Personal/Advertising Injury |
$1,000,000.00 | Each Occurrence |
$300,000.00 | Damage to Premises Rented to You |
None | General Liability Deductible |
**Additional coverage available up to $10M per Occurrence / $10M Aggregate
Inclusions:
- Host liquor liability provided (those not in the business of serving and selling)
- Artist Liability
- Attendance Limitation
- Contractual liability
- Coverage for all 50 states and District of Columbia
- Set up and take down included (one day before & one day afterward)
- The facility can be named as an additional insured at no extra cost
- Volunteers can be named additional insureds
- Multiple additional insureds can be added for an additional premium
- Commercial liquor liability is available at an additional premium - cost varies per state
- Rented Equipment (Inland Marine) coverage is available for an additional premium
- Transportation Insurance (Non-Owned Hired Auto) is available at an additional premium
- Waiver of Subrogation available for an additional premium
Additional Coverage Types Available:
- Event Cancellation
- Prize/Indemnity
- Weather
Exclusions:
- Aircraft & Balloon Events
- Aircraft or Watercraft
- Animals
- Asbestos
- Assault & Battery
- Body Piercing
- Bounce House or Inflatables
- Bungee Jumping
- Circus and Carnivals
- Collapse of Temporary Structures
- Communicable Diseases (Hepatitis, TSE, HIV, HTLV or AIDS)
- Employment Related Practices
- Expected or Intended Injury
- Fungi or Bacteria
- Hang Gliding
- Hot Air Ballooning
- Kayaking
- Lead Liability
- Mechanical Amusement Devices
- Motorcycle Riding
- Mountain or Rock Climbing
- Nuclear Energy
- Parachuting
- Parasailing
- Professional Liability
- Pyrotechnics
- Racing using a land vehicle, aircraft or watercraft
- Riding amusement rides
- Rodeo Activity
- Scuba Diving
- Sexual Abuse/Molestation
- Silicosis
- Stage Diving
- Stunts
- Tattooing
- Total Pollution
- Tractor/Truck Pulls
- War