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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.

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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.


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

 

 

 

 


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