THE EVENT INSURANCE

LIABILITY ONLY FOR SPECIAL EVENTS

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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