Special Events
All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.
Special Events 
- One-day and multi-day events, as well as annual policies
- Events with up to 10,000 attendees or 10,000 consumers of alcohol per day
- More than 100 different classes of business
Product Advantages
- Separate limits for general liability and liquor liability
- Automatic coverage for volunteers, temporary or leased workers and committee members
- Property owner can be included as an additional insured at no additional charge
- Optional coverages for waiver of subrogation and primary/non-contributory wording
- Set-up and take-down coverage available for all events that include general liability
- Rain date coverage available for events rescheduled due to inclement weather
- Coverage for damage to rented premises includes other perils in addition to fire
- Coverage extends for events lasting past midnight for no additional premium
- General liability deductible is $0
- Liquor liability deductible is $0
Available Limits
- General liability limits up to $1,000,000/$3,000,000
- Liquor liability limits up to $1,000,000/$3,000,000
- Optional limits up to $5,000,000/$5,000,000 in certain states for events with 500 or fewer attendees
- Medical payments limit up to $10,000
- Damage to rented premises limit up to $500,000
Most Common Ineligible CHARACTERISTICS
- Events located in AK, LA or WV
- Events with:
- Liquor in AL, IA, IL, LA, MN, MS, OR or RI
- Firearms
- More than 10,000 attendees
- Overnight camping
- Bonfires
- Events that permit spectators in the water
- Haunted house, hayride or corn maze exposures
- Events that include medical treatments or health screenings
- War reenactments
Business Resource Center, Provides centralized access to business solution vendors for all policyholders
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- Human resources services
- Pre-employment and tenant screenings
- Identity theft protection
- Marketing resources