Insurance Products

Special Events

This product is designed to provide coverage for an event of the insured on a short term basis. Coverage is provided for set-up and breakdown as well as the specific dates of the event.

Coverages

Guidelines

Applications

• Commercial General Liability

  • Primary limits up to $1,000,000 / $2,000,000 Occurrence/Aggregate
  • Fully earned premium

• Underwriting

  When evaluating, keep in mind the following items:

  • Spectator protection, control and the distance between spectators and site of activity.
    Adequate security, lighting and emergency exits must be present.
  • Obtain certificates of insurance from all independent contractors, vendors, ride operators, etc.
  • Alcohol sold or permitted and responsible party. Obtain Certificate of Insurance for Liquor Liability.
  • Type of seating, i.e., assigned, festival, permanent, bleachers, etc.
  • For concerts: Type and age of crowd, type of music, names of performers, hours of event, type of seating and security.
  • Secure estimated attendance per day and total for entire event or term.
  • If any amusement rides or devices, confirm ride operators provide a certificate for like limits.
  • Consider whether any physical hazards in the surrounding area are dangerous to the spectators.
  • For rodeos, horse shows, animal races, etc., confirm spectators are not allowed near the paddock, stable, chutes, stock pens or loading areas.
  • Supplemental application is required.

  Prohibited

  • Airplane or Helicopter rides
  • Air shows or skydiving
  • Balloon rides
  • Boat races
  • Bungee jumping
  • Concerts with hard rock, heavy metal, rap music or the like
  • Fireworks stands
  • Fraternity / Sorority events
  • Hired Auto and Non-Owned
  • Protest rallies- political, religious, etc.
  • Snowmobile races
  • Wrestling matches

  Available In

  • Illinois
  • Indiana
  • Michigan
  • Ohio
  • Pennsylvania
  • West Virginia
• Special Event Application