Insurance Products
The product pages provide a brief overview of the many different types of accounts we can help you place. Select a product from the left to learn more about it. If you have questions regarding a particular risk or program, please feel free to call us at (800) 648-0357 and we will be glad to help.
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.
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
- Spectator protection, control and the distance between spectators and site of activity.
- Special Event Application