Special Events (Non-Sports) Insurance

Liability Insurance for weddings, receptions, trade shows, concerts, festivals, conventions, graduations, and more.

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If you are a vendor/concessionaire and are not directly hosting the event, visit our Vendor / Concessionaire website for coverage information and rates.


Plan A: Limited Special Event: Invitation Only Events, Single Day Coverage, 500 or less attendees

PREMIUM

Total Event Attendance Premium
0-200 without host liquor $115.00
0-200 with host liquor $165.00
201-500 without host liquor $200.00
201-500 with host liquor $250.00
  • Available 01-01-2015 to 12-31-2015.
  • No charge for Additional Insureds
  • Premium is fully earned at inception and non-refundable
  • Agents and Brokers: There are no commissions included in this program

LIABILITY LIMITS (higher limits available)

$5,000,000 General Aggregate (other than Products-Completed Operations)
$1,000,000 Each Occurrence
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Personal & Advertising Injury
$300,000 Damage To Premises Rented To You (Fire Legal Liability)
$5,000 Medical Expense Payments

ALL APPLICANTS – A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.


Plan B: Standard Special Event: Open-to-the-public, Private Events, One or move coverage days, up to 12,000 in attendance.

PREMIUM (OPTION 1)

Total Event Attendance Premium
1,500 or less $383.00
1,501 to 3,000 $592.00
3,001 to 6,000 $1,183.00
6,001 to 12,000 $2,040.00
  • Premium is fully earned at inception and non-refundable
  • Liquor Liability and Medical Payments to Participants available. See application for details.

LIABILITY LIMITS (higher limits available)

$5,000,000 General Aggregate (other than Products-Completed Operations)
$1,000,000 Each Occurrence
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Personal & Advertising Injury
$300,000 Damage To Premises Rented To You (Fire Legal Liability)
$5,000 Medical Expense

ALL APPLICANTS:  A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.


Eligible Events

  • After-prom parties (school-sponsored event only)
  • Auctions
  • Award ceremonies
  • Balls/dances
  • Banquets
  • Bar/Bat Mitzvahs
  • Bazaars
  • Bingo games (charity/fundraising only)
  • Book signings Card games/events (charity/fundraising only)
  • Car washes (charity/fundraising only)
  • Casino events (charity/fundraising only)
  • Car/motorcycle/RV/boat shows (static display only)
  • Celebrations (holidays, graduations, grand openings)
  • Chamber of Commerce business events/mixers
  • Charity events
  • Chess events
  • Christmas lighting ceremony
  • Christmas caroling (single location)
  • Cooking contests
  • Concerts (other than techno/DJ, alternative, rap or hip hop. Call for approval.)
  • Conventions
  • Debuts or debutante balls
  • Dinners, luncheons, showers
  • Direct selling consultant parties
  • Easter egg huts
  • Festivals
  • Film screenings/showings
  • Fraternity/Sorority events (subject to underwriter approval)
  • Farmers markets
  • Flea Markets
  • Graduation ceremonies
  • Job fairs
  • Lectures
  • Meetings
  • Memorial services
  • Parties
  • Poetry readings
  • Picnics (no in or on water activities)
  • Pageants
  • Proms
  • Quinceanera
  • Reunions
  • Religious events
  • Recitals (dance, music)
  • Sales (bake, charity, consignment, estate, garage)
  • Social gatherings/receptions
  • School band or dill team competitions
  • School carnivals (no rides/inflatables)
  • Speaking engagements
  • Showers (baby, bridal, etc.)
  • Shows (animals-arena setting only antique, art, baby, business, collector, consumer, craft, fashion, flower, garden, home, stage, wedding)
  • Tailgaiting (subject to underwriter approval)
  • Talent search/shows (children only)
  • Telethons
  • Theatrical performances or musicals
  • Walking tours (garden, holiday, parade of homes, historical sites: single location)
  • Wedding activities (rehearsal, ceremony, reception)

Eligibility Criteria

  • Maximum total attendance per event is 12,000 or less
  • Maximum number of event days (not including set-up or tear down) is 10. The days of the event are to be consecutive.
  • Event is held at a single location (except for weddings – coverage can be extended to include the rehearsal, ceremony and reception as a single event.)
  • Event must take place in the United States.

Lower premium options for single-day invitation-only events (1-500 attendees).


Ineligible Events

Certain event types are not eligible for coverage by this program. We reserve the right to decline any request for coverage. Operations not eligible for this program include, but are not limited to the following:

  • Activist rallies, marches or literature distribution
  • Animal obedience training
  • Athletic events and competitions
  • Bonfires
  • Circuses
  • Cinematography an photography for commercial use
  • Color or foam party
  • Events held on airport premises
  • Events and/or concerts involving rap, hip-hop, alternative or techno/DJ
  • Eating contests
  • Events honoring national/local celebrities or professional athletes
  • Fraternity/Sorority events (except alumni association)
  • Geocaching events
  • Gun/knife shows
  • Overnight retreats
  • Historical battle reenactments
  • Haunted attractions
  • Health Fairs
  • Mazes (corn, hay or fence)
  • Pumpkin chucking events
  • Parades
  • Political events (except private fundraising auctions, benefits, dances, dinners)
  • Raves
  • Religious events (except memorial services)
  • Rodeos
  • Seances
  • Tractor pulls
  • Tailgating (unless reported an approved by us)
  • Union meetings
  • Water activities

Notable Exclusions : Please print the application for additional exclusions contained in this policy.


Coverage Effective Dates and Certificates of Insurance

  • Coverage can be effective once your fully completed application and check for the full premium amount is received at Sadler & Company.
  • Please print application for a detailed description of coverage.

RISK MANAGEMENT CONTENT

Visit our Risk Management page to access the following important content most applicable to cheer schools/gyms:

Before You Sign The Facility Lease Agreement

Collecting Certificates of Insurance From Vendors

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.