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Special Event Liability Insurance Coverage

Planning a special event?  Don’t forget about the insurance!

Here are some types of special event insurance that are available to you:  (Huff Insurance is licensed in MD, VA, PA, WV, DE and DC)

  • Wedding InsuranceGoing someplace warm for your wedding? We can write your wedding insurance even if you are having a destination wedding in another state or country.
  • Dance Event Insurance
  • Hayride Insurance
  • Parade Insurance (If inquiring about Mardi Gras parade insurance, see the list of eligible states listed above)
  • Concert Event Insurance
  • Classic Car Show Event Insurance
  • One Day Event Insurance
  • Fundraiser Event Insurance
  • and many others…

Are you having a special event or a one day event?

You need to consider special event liability insurance coverage or more commonly known as commercial general liability coverage. The purpose of special event insurance is to protect you, the event holder, the vendor, and even the venue from lawsuits arising out of someone getting hurt at your event.

In order to qualify as a special event the duration of the event must be less than 90 days.

The following are types of special events that can be insured:

  • Holiday events
  • Plays
  • Running Races (Charity 5K, 10K or even marathon events)
  • Classic car show
  • Concerts (single day or weekend or week long festivals)
  • Shows
  • Weddings
  • Festivals
  • Business meetings
  • Parties
  • Parades
  • Hayrides (regular, haunted, holiday)
  • Etc.

Special Event Claim Scenario

Suppose that you are having a dinner/dance.  A participant falls over an extension cord that you set up.  They hurts their back and need surgery.  It was out of your negligence they were injured. Do you have liability insurance coverage to provide your legal defense and protection?

Determining the cost for a Special Event Insurance Policy

The insurance company looks at the type of the event, the number of participants, volunteers and employees at the event and the hours of the event. The company also considers the providers of the alcohol, food, and security.  Are you doing it yourself or are you subcontracting that to others, such as an event planner or the venue itself?

Even if you have a comprehensive general liability policy for your business, it may not be providing protection for the special event without a separate charge or policy being obtained.  It is best to contact your insurance carrier before planning a fund raiser to see if there will be a charge so that you can factor that into the ticket price.

Contact Huff Insurance About Your Special Event

At Huff Insurance in Pasadena, MD we can provide the best event insurance coverage for most of your special events.

In order to help eliminate or reduce your liability exposure, you should also obtain certificates of insurance from others that you are hiring for the occasion, such as the caterer or the DJ.

We want your special event to be a success and not ruined by an unforeseen lawsuit.

Give Huff Insurance a call at 410-647-1111 or fill out the quote request form and one of our special event team members will give you a call. Don’t delay do it today.

Huff Insurance is a full service Trusted Choice® Insurance Agency. We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance products.