THE EVENT INSURANCE
LIABILITY ONLY FOR SPECIAL EVENTS
SHORT-TERM SPECIAL EVENTS LIABILITY
This liability only program provides coverage for events:
- Held at a single location
- Up to 10 (ten) consecutive event days
- Up to maximum total attendance of 15,000
- Host liquor coverage is available
General Liability Limits:
- $1,000,000 Occurrence
- $5,000,000 General Aggregate
- $1,000,000 Products-Completed Operations Aggregate
- $1,000,000 Personal and Advertising Injury
- $1,000,000 Damage to Premises Rented To You
- $5,000 Medical Payments
GENERAL LIABILITY NOTABLE EXCLUSIONS AND ENDORSEMENTS
- Asbestos Exclusion
- Lead Exclusion
- Fungi/Bacteria Exclusion
- Abuse or Molestation Exclusion
- Amusement Devices Exclusion
- Fireworks Exclusion
- Additional Insured – Certificate Holders
- Products – Completed Operations Hazard Redefined
- Exclusion – Designated Products (products coverage is not provided for guns, knives, and other weapons or automobile, aircraft, and watercraft parts)
- Exclusion – Bodily Injury to Performers
- Exclusion – Bodily Injury to Athletic or Sports Participants
ELIGIBLE AND INELIGIBLE EVENTS
- Amateur and/or Professional Association Meeting
- Anniversary Party – No Charge for Admission / Invite Only
- Anniversary Party with Cover Charge or Ticket for Admission
- Antique Show
- Association Meeting
- Auto Show – Auto Static Only
- Award Presentation
- Baby Shower
- Bake Sale
- Ballet
- Banquet
- Baptism
- Bar Mitzvah
- Bat Mitzvah
- Bazaar
- Beauty Pageant
- Belly Dancing Class
- Billiard Event
- Bingo Event
- Birthday Party – No Charge for Admission / Invite Only
- Birthday Party with Cover Charge or Ticket for Admission
- Blackjack Event
- Block Party
- Blues Music Concert
- Boat Show – Dry Dock Only
- Body Building Event
- Book Signing
- Breakfast
- Bridal Shower
- Brunch
- Brunch – Fund Raising
- Business Party – No Charge for Admission / Invite Only
- Business Party with Cover Charge or Ticket for Admission
- Business Show
- Camera Show
- Car Show – Static Only
- Card Show
- Caricature Sketching
- Caroling Event – Single location only
- Casino Show
- Chamber of Commerce Event
- Chamber of Commerce Mixer
- Charity Auction
- Charity Benefit
- Charity Dance
- Charity Sale
- Chess Event
- Choir – Performance
- Christmas Lighting
- Christmas Tree Lighting Ceremony
- Christmas Tree Lighting Decorating Event
- Church Meeting
- Church Service
- Civic Club Meeting
- Classical Dance Show
- Classical Music Concert
- Comedy Show
- Company/Corporate Retreat (not overnight)
- Computer Show
- Concert – 50’s Music
- Concert – 60’s Music
- Concert – 70’s Music
- Concert – 80’s Music
- Concert – Blues Music
- Concert – Celtic Music
- Concert – Chamber Music
- Concert – Christian
- Concert – Classical Music – Indoor
- Concert – Classical Music – Outdoor
- Concert – Country Music
- Concert – Folk Music
- Concert – Holiday Music
- Concert – Instrumental
- Concert – Jazz and Jam – Indoor
- Concert – Jazz and Jam – Outdoor
- Concert – Pop/Cover Band
- Concert – Symphony
- Consignment Sale
- Consumer Show
- Convention – Indoor
- Convention – Outdoor
- Costume Contest
- Craft Show
- Dance Recital
- Dance Show – Classical
- Debutant Ball
- Dinner
- Dinner – Fund Raising
- Disc Golf Event
- Disc Golf Tournament
- Drill Team Exhibition
- ESports (i.e. gaming) tournaments
- Easter Egg Hunt
- Educational Exhibition
- Electronics Convention
- Estate Sale
- Farmer’s Market
- Fashion Show
- Festival & Cultural Event – Outdoor (no parades)
- Festival & Fair – No Rides
- Festival; Cultural Event – Indoor
- Film Screening
- Film Shoot – No Stunt Exposure Allowed
- Film Showing
- First Communion
- Fishing Event
- Flea Market
- Flower and Garden Shows
- Frisbee Golf Event
- Frisbee Golf Tournament
- Fund Raising Breakfast
- Fund Raising Brunch
- Fund Raising Dinner
- Fund Raising Lunch
- Funeral Service
- Garden Show
- Gift Exchange
- Graduation – Social Reception / Ceremony
- Harvest Festival – No Farm Implements or Equipment
- Historical Re-Enactment No Weapons
- Holiday Event – Not Haunted – No Charge for Admission / Invite Only
- Holiday Event – Not Haunted – with Cover Charge or Ticket for Admission
- Holiday Party – Not Haunted – No Charge for Admission / Invite Only
- Holiday Party – Not Haunted – with Cover Charge or Ticket for Admission
- Home Show
- Job Fair – Indoor
- Job Fair – Outdoor
- Ladies Club Event
- Laser Tag Event – Indoor Only
- Lecture
- Luncheon
- Luncheon – Fund Raising
- Magic Show
- Math Tournament
- Memorial Service
- Menorah Lighting
- Mobile Home Show
- Monte Carlo Night
- Movie Release Party
- Music Recording In Studio Premises Only
- New Years Eve Party – No Charge for Admission / Invite Only
- Old Timer Event
- Pageant
- Party (anniversary; birthday; graduation; retirement)
- Photo Shoot
- Picnic – (No water activities)
- Ping Pong
- Play – Theatre or Theater Event
- Play Reading
- Poet or Poetry Reading
- Poker Event; Card Game
- Product Debut
- Prom or formal dance
- Quinceanera
- Recital
- Religious assembly
- Retirement Party – No Charge for Admission / Invite Only
- Retirement Party with Charge or Ticket for Admission
- Reunion – Indoor
- Reunion – Outdoor
- Rummage Sale
- School band or drill team competition
- School carnival (no rides)
- Seminar
- Show (antique; art; auto – static display; boat; business)
- Show (consumer; craft; fashion; flower; garden; home; RV; trade; vacation)
- Snooker Game
- Snooker Tournament
- Social Reception – No Charge for Admission / Invite Only – Indoor
- Social Reception – No Charge for Admission / Invite Only – Outdoor
- Social Reception with Cover Charge or Ticket for Admission
- Speaking Engagement
- Stage Plays
- Store Opening
- Story Telling
- Street Fair
- Swap meet
- Sweet 16 Party
- Symphony Concert
- Talent Show – No Rap | Hip Hop | Heavy Metal or Hard Rock Music
- Tap Dancing
- Teleconference
- Telethon
- Texas Hold ‘Em Event
- Theatrical Stage Performance
- Trade Show – Indoor
- Trade Show – Outdoor
- Truck Show – Static Only
- Union Meeting
- Vacation Show
- Video Game Contest
- Voter Registration
- Wedding
- Wedding Reception
- Wedding Rehearsal
- Wine Tasting
- Yard Sale
- Yoga Class
- Yoga Event
- After-Hours Parties (e.g., After Prom, Graduation Night, Retirement)
- Amusement Rides, Mechanical Devices, Rock Climbing Walls, or Inflatables
- Animal Rides
- Animal Shows (e.g., Cat, Dog, Horse, Livestock Judging)
- Animals (Injury or death to, or injury , death or property damage caused by any animal)
- Cave Explorations
- Concerts
- Fairs
- Fireworks or Pyrotechnics
- Fishing Derbies
- Fraternity or Sorority Parties
- Gun Shows/Knife Shows/Shooting Events
- Haunted Houses
- Motorsports Events (including Demolition Derbies, Mud Bogs, Tractor Pulls, Races, and Stunt Shows)
- Overnight Accommodations or Camping Facilities
- Overnight Lock-ins
- Parades
- Political Rallies
- Rodeos
- Sporting Events
- Vendors and Exhibitors
- Water Activities
- Wine Tastings