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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.

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