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.

LIABILITY LIMITS (higher limits available)

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

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


Total Event AttendancePremium
0-200 without host liquor$120
0-200 with host liquor$170
201-500 without host liquor$210
201-500 with host liquor$260

Plan B: Standard Special Event: Open-to-the-public, Private Events, One or more coverage days, up to 3,000 in attendance.


Total Event AttendancePremium
1,500 or less$395
1,501 to 3,000$610
  • Premium is fully earned at inception and non-refundable
  • Liquor Liability and Medical Payments to Participants available. See application for details.

Eligibility Criteria

  • Maximum total attendance per event is 3,000 or less.  (If the attendance is over 3,000 for an event, please download the printable application that can be submitted)
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event must take place in the United States.

  • Available 01-01-2018 to 12-31-2018.
  • No charge for Additional Insureds
  • Premium is fully earned at inception and non-refundable
  • 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.) Not available for online purchase, please download a printable application for submission.)
  • Conventions
  • Debuts or debutante balls
  • Dinners, luncheons, showers
  • Direct selling consultant parties
  • Easter egg huts
  • Festivals
  • Film screenings/showings
  • 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)
  • 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)

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:

  • Activists rallies/marches/protests
  • Air shows / events
  • Animal obedience training
  • Any events involving organized athletic events and competitions
  • Balloon Festivals
  • Bonfires
  • Cannibas related events
  • Christmas tree sales / lots
  • Circuses
  • Cinematography an photography for commercial use
  • Color or foam party
  • Dance Competition
  • Any events held on airport premises
  • Any events and/or concerts involving rap, hip-hop, heavy metal or electronic music
  • Eating contests
  • Any events honoring national/local celebrities or professional athletes
  • Fraternity/Sorority events (unless reported and approved by us)
  • Geocaching events
  • Gun/knife shows
  • Any event providing overnight accommodations.
  • Battle reenactments
  • Haunted attractions / events
  • Health Fairs / expositions
  • Any events involving In or On Water activities
  • Mazes (corn, hay or fence)
  • Pumpkin chucking events
  • Parades (or any event involving a parade)
  • Political events (except private fundraising auctions, benefits, dances, dinners)
  • Raves
  • Rodeos
  • Seances
  • Tractor pulls
  • Tailgating events
  • Union meetings
  • Walks/running events
  • Events involving any motorized vehicle(s) in, or while in practice for, or while being prepared for, or while qualifying for, or while testing for any racing, speed, demolition, distance, or stunting activity.

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

Coverage Effective Dates and Certificates of Insurance


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.