Special Event Liability FAQ

Some of our acceptable events that we can provide coverage for include, but are not limited to:

• Fairs and Festivals
• Beauty Pageants / Fashion Shows
• Concerts
• Graduations / Receptions / Weddings
• Conventions / Meetings / Tradeshows / Consumer Shows
• Fundraisers – This can be vague so we need all the details.
• Dances
• Sporting Events (Typically, this coverage excludes the participants, but in some cases, we can add Participant medical coverage, for additional premium.)
• Liquor Liability – For cases where the Insured holds a valid Liquor License, and is profiting from the sales of alcoholic beverages.

Some of the excluded events are:

• Carnivals
• Venue coverage
• Air Shows
• Amusement Parks

Standard Exclusions would include:

• Medical Payments
• Described Hazards
• Securities and Financial Interests
• Collapse of Temporary Structures
• Attendance Limitation Endorsement
• Athletic or Sports Participants
• Abuse and Molestation
• Stunt Exclusion
• Exclusion of Performers
• Field of Entertainment Exclusion
• Pollution – Nuclear & Asbestos
• Employment Related Practices
• Fireworks/Pyrotechnics
• Fungus
• Assault and Battery

• We have non-admitted paper with Houston Casualty Company, and Lexington Insurance Company, Best Rated A.
• We have admitted paper with Avemco, Lloyds, & New Hampshire Insurance Company.

We can provide up to $10 million of coverage.

The premium is based on a predetermined rate depending on the type of event, number of attendees, amount of coverage, and risks associated with the event.

• If the event fits within the automated underwriting criteria, the quote will be released instantaneously – typically within an hour.
• Where larger, higher-risk events are considered, we can provide a quote in within 48 hours of submission of the application, in most cases.

We are very flexible as far as a time frame on binding coverage and can usually provide coverage up to one or two days prior to the event date. However, we must receive payment prior to binding coverage, and the payment must be completely settled, before coverage can be bound and certificates are issued.

• This coverage is intended to accompany a rental agreement with a Venue. The Venue’s often use confusing language to explain what they need. They do need to be named on the policy, but the Venue cannot be the Insured.
• The Insured on our Special Event Liability Organizer Policy should match the name on the rental agreement – and we will name the Venue owner as Additional Insured.
• If the Insured is a Vendor or a Performer – We can provide a Vendor or Performer Special Event Liability Policy, in which case the Insured would be the Performer/Vendor (or their LLC., Inc., etc. and we would name the Organizer as Additional Insured on the Policy)
• The “Additional Insured” should have an insurable interest in the event. We cannot simply name anyone as Additional Insured. The Additional Insured entry should be required by a written contract - and we can name them using their specific verbiage if it is provided.

Subrogation is the act of the carrier sueing on yourbehalf to collect damages that were not caused by your negligence. Waiving this right increases the likelihood of a claim, so it increases the premium by about $100, typically.

• When filling out our application, we only want the date(s) where Attendees will be on-site. We will typically include 2 setup/breakdown dates, prior and after the event dates provided - at no charge, so if you add extra days when you enter your event date – the premium will likely be higher due to the confusion.
• If your event is a 1-day event, the start and end dates will be the same. Adding the next day, will double your attendance and can affect the amount of premium.