Special Events Liability Policy

Event

Similar to Tour Insurance, Special Events Liability protects an event producer, promoter or performer from negligence claims leading to bodily harm or property damage, whether damage is caused by the event producer or the event attendee.

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Special Events insurance may be appropriate if you are:

  • Promoting or producing an event
  • Performing at a friend’s wedding
  • Having a special birthday party or record release party at a rented venue
  • Shooting or producing a short film
  • Playing on a string of dates (where you don’t need annual coverage)
  • Vending at a fair
  • Covering only one night

Please consult your contracts with venue and/or vendors to ensure you are insuring for the proper limits.

Coverage cost depends on number of performances, type of show, venue capacity, expected attendance, foreign performances, special effects, types of venue and deductible options.

Coverage normally includes:*

  • $1,000,000 combined single limit for bodily injury and property damage
  • $1,000,000 per event aggregate
  • $1,000,000 annual aggregate

*Subject to policy terms, limits, conditions and exclusions

Other options include:**

  • Workers’ Compensation to protect you and your employees (including independent contractors) in case someone is injured on the job
  • Nonowned & hired auto coverage for rental vehicles
  • Instruments coverage for your owned or rented items
  • Props, sets, and wardrobe coverage
  • Third-party property damage coverage in case you accidentally physically damage a rented space
  • Cancellation coverage in case you need to cancel or postpone the show (can include cancellation due to weather)
  • Nonappearance coverage in case an act is too sick to perform or you’re worried the band won’t show up
  • Spectator or Participant Medical expense if you need coverage for someone participating in the event itself

**All above coverage options are subject to policy terms, limits, conditions and exclusions.

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Customer Quotes

"Thank you for excellent service! My claim was paid about seven business days after I reported it."

— SC (December 2005)

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