A special event can be anything from a wedding or birthday party to a multi-day carnival involving food sales or alcohol sales, amusement rides, rodeos and parades. Whatever your event, most likely your regular insurance will not cover these exposures. You need special event insurance that is designed to cover your particular activities.
If you are planning a special event, you need to check with us to determine what special event insurance you will need to carry. You should obtain insurance for events well before the time it is needed.
Special events may involve exposures, such as:
- Liquor liability
- Spectator liability
- Products liability
- General premises liability
- Animal liability
- Liability for rented or loaned property
Standard personal or commercial policies will not cover all these exposures. In most cases you will find that you are better off having event liability insurance that is specifically designed to cover your situation.