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Special Events - Special Insurance Coverage


General Liability Insurance and/or NJ Liquor Liability Insurance

PRIME Insurance facilitates Special Event Coverage for unique liability exposure risk at:

  • Beer Garden or Beer Tent Affairs
  • Concerts
  • Musical Performances
  • Festivals
  • Parties
  • Sports Events
  • Motor Vehicle Fairs
  • Automobile Shows
  • Conventions
  • Trade Shows
  • Exhibitions
  • Fund Raisers
  • Parades
  • Picnics
  • Weddings
  • Receptions
  • Other Public Extravaganzas

True Insurance Claim Examples


  • General Liability Insurance Claim:
    A motorcycle hit a woman at a street juncture where traffic was directed by the event’s workers. The victim incurred fractures to her ankle and back injuries. The insurance claim exceeded $68,000 in medical bills and loss of wages.

  • General Liability Insurance Claim:
    A woman at an outdoor skating rink event stumbled over loosely fitted carpeting. As a result, she broke her right arm and needed surgery. Medical bills totaled $23,500.

  • General Liability Insurance Claim:
    A society put on a performance at the municipal high school auditorium. Phony blood was utilized to dramatize effects but it also damaged the stage curtains. The high school filed a lawsuit for damages in the amount of $7,500.
  • Liquor Liability Insurance Claim:
    One participant at a holiday grand event drove home after ingesting a large amount of alcoholic drinks. Before reaching his destination, he lost control of his car and smashed into an oncoming vehicle. The driver of the hit car suffered resulting injuries and $300,000 in medical bills. The victim also filed a lawsuit against the event’s sponsor for negligence in offering alcohol to an intoxicated party-goer.
  • Liquor Liability Insurance Claim:
    The beer festival participant that drank too much was under 18. He left the event and drove under the influence, leading to a loss of control, a crash into a phone pole and significant face injuries.  The injured teen filed a $150,000 lawsuit against the festival host as well as the brew company for unlawful serving of alcohol to a minor to cover his medical bills.
  • Liquor Liability Insurance Claim:
    While walking across the street, a drunk rodeo event participant was hit by a car and killed. The insurance company’s defense conducted an intense probe into the matter leading to conclusive evidence: with a .26 percent blood alcohol level, the victim was not served by the event coordinators. The case was dropped with minimum payouts.

Tailored Coverage from an Award-Winning Independent Insurance Agency

At PRIME Insurance, we understand all the ramifications of large event making. We also know how to help you get the tailored protective coverage you need – at competitively lowest quotes.

Networked with over 40 of the leading national insurance companies, PRIME began with offering NJ general liability insurance, homeowner insurance, auto insurance, business insurance, workers compensation insurance, and more. Today, we deal with the full-spectrum of insurance plans all across the US of America.

We invite you to experience the PRIME difference! Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: If you are an event sponsor or coordinator, be prepared for your own unique brand of liability exposure. Follow PRIME Insurance as we outline the coverage you need – and why.


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