Skip to content

Prime Insurance Agency Blog

All You Ever Wanted to Know About Insurance

How to Protect Yourself from Special Event Liability

Special Event Insurance

Special events involve gatherings of large crowds of people, presenting the potential for catastrophe.

Organizers and hosts of these short-term events can obtain related insurance focused on third-party liability coverage.

This type of insurance provides coverage for town celebration or merchant committees that sponsor centennial or sesquicentennial festivals, Fourth of July celebrations and local jamborees.

RELATED: why you need wedding insurance

These commemorations may incorporate:

  • car or horse racing
  • parades or processions
  • fireworks displays
  • funfairs
  • picnics
  • dancing
  • concerts and performances
  • sports events

Additional kinds of coverage are provided for the event’s sponsors or producers for special events that include:

  • rock festivals

  • concerts

  • antique or classic car shows

  • boat and travel shows

  • horse shows and rodeos

  • promotional displays, such as balloon suspensions in the sky

  • stockholder conferences

  • religious revivals

Coverage includes:

  • premises liability in rented halls and stadiums

  • necessary and incidental outdoor functions like raising the grand stand

  • libel, slander, defamation through a performer

  • products liability resulting from food or souvenir sales

Other kinds of available insurance includes participant accident and medical expense for volunteers of charity events, expenses and profit coverage that shields convention and show sponsors, exhibitor transit-premises coverage that shields exhibitors’ merchandise that is on exhibition and in transit, and prize indemnification coverage, like those for hole-in-one contests and bowling a perfect score competition.

For more on special event insurance coverage, speak to an experienced qualified independent insurance agent.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Special events have unique exposures that demand special insurance coverage.






There are no comments yet.

Leave a Comment

Required fields are marked with


Your name, comment, and URL will appear on this page after it has been reviewed and approved. Your email address will not be published.