Insurance for Special Events

The Main Event® is designed to cover General Liability and/or Liquor Liability at short term events.

Ineligible Special Events

Please note we cannot offer coverage to the following:

• Mechanical rides or devices
• Features firearms or fireworks (not applicable to vendor at the event that is not involved with fire arms or fireworks)
• On-water events such as boating and fishing
• Medical treatment or health screenings
• High profile celebrities or political figures at or above the state level
• Bonfires
• War reenactments
• Liquor coverage unavailable in AL, IA, IL, MS, OR, RI (The Host product is available in IL)

Available Coverage for Special Events

• Automatic coverage for volunteers, temporary or leased workers and committee members
• Food and beverage product liability included in the general aggregate
• No deductibles
• Expanded definition of bodily injury to include mental anguish
• Medical payments coverage
• Coverage for damage to rented premises
• Personal & advertising injury is included

Coverage Limits Available for Special Events

• Up to $1,000,000 each common cause/$2,000,000 aggregate
• Medical Payments – $1,000 with $50,000 aggregate
• Damage to premises rented to you – $100,000

Claim Example for Special Events

General Liability: Claimant attended a golf tournament and tripped over a sprinkler head. She suffered a fractured knee cap, and needed reconstructive surgery. Medical bills totaled $10,000.

General Liability: Insured was holding a basketball tournament at a YMCA. During the game the gymnasium floor was damaged. Property owner held the insured liable for the property damages totaling $10,200.

General Liability: Insured held a theater performance at a local high school auditorium. Fake blood was used for a special effect, and the fake blood damaged the curtains in the auditorium. The property owner of the facility is suing the insured for the damage to the curtains totaling $7,500.

Liquor Liability: A minor attendee was served alcohol at a brew festival sponsored by the insured. After leaving the festival, the underage attendee got into his car, lost control of his vehicle and struck a telephone pole. He suffered severe facial lacerations. The attendee is suing the event sponsor and the beer vendor for illegal service to a minor to cover his medical bills totaling $150,000.

Host Liquor Liability: An attendee was drinking heavily at a holiday party hosted by the insured. While driving home, the attendee lost control of her vehicle and hit a tractor-trailer head on. The driver of the truck suffered severe injuries. The driver brought suit against the host of the party for negligence in serving the intoxicated guest. The driver’s injuries total $300,000.