Special Events Insurance

This insurance provides third-party liability coverage for short-term special events where the large groups of persons gathered together present catastrophe potential. This coverage is needed by town celebration committees or merchants associations that sponsor centennial or sesquicentennial celebrations, Fourth of July celebrations and local festivals. These events may include automobile or horse racing, parades, fireworks displays, fairs, picnics, dances, concerts and sporting events of all types. Other types of special events are written for the sponsor or producer of the event, including rock festivals and concerts, antique car shows, boat and travel shows, horse shows and rodeos, prominent objects like balloons suspended over cities for promotional purposes, stockholders meetings and religious revivals. Premises liability in rental halls and arenas as well as outdoors operations that are necessary and incidental, such as erection of grandstands are covered as well as libel, slander or defamation by a performer and products liability arising from the sale of food or souvenirs. Participant accident and medical expense coverage for volunteer workers at charitable fund-raising events, expenses and profit coverage protecting sponsors of conventions and shows, exhibitor transit-premises coverage protecting exhibitors' goods while on display at a show and in transit, and prize indemnification coverage, including golf hole-in-one and bowling perfect score coverage.