Overview of the Program From Bailey Special Risks, Inc.
Bailey Special Risks, Inc. offers a Special Events program designed for agents placing short-term liability for one-day to multi-day events. As a wholesale broker, Bailey Special Risks provides access to capacity underwritten by United States Liability Insurance Group and focuses on straightforward, flexible event policies that address common exposures for organizers, venues, and vendors. This program is intended for agents who need a reliable, event-specific liability solution with options for liquor, vendors, volunteers, and rented premises coverage.
Ideal Accounts and Appetite
This program fits a wide range of events, including:
- Weddings, private parties and corporate gatherings
- Street fairs, farmers markets and vendor bazaars
- Community festivals, parades and charity fundraisers
- Sporting events, runs/walks and amateur competitions
- Concerts, live performances and temporary exhibitions
Underwriters will consider events with alcohol service, multiple vendors, volunteer staff, and temporary workers. High-hazard operations—such as permanent amusement parks, professional motor sports, large stadiums, or events primarily featuring pyrotechnics or other specialized exposures—are evaluated on a case-by-case basis and may be restricted.
Coverage Highlights and Advantages
Key features under the Bailey Special Risks Special Events program include:
- Liability Insurance
- Optional Host & Commercial Liquor Liability coverage
- Coverage for volunteers
- Temporary or leased workers
- Food & beverage product liability
- Optional Medical payments coverage
- Optional coverage for damage to rented premises
- Limits up to 1M/1M available
Optional endorsements and tailored wording help accommodate vendor exposures, certificate holder requirements, and additional insured needs common to event contracts.
Underwriting Notes and Submission Requirements
To secure a quote quickly, provide:
- Event name, date(s) and location
- Estimated attendance and expected crowd profile
- Whether alcohol will be served (hosted or vendor beer/wine/spirits)
- A list of vendors, entertainers, and any rented equipment
- Security arrangements, emergency medical plans, and parking/traffic controls
- Venue lease or contract terms and any certificate/endorsement language required
- Loss history for similar events, if available
Underwriting may request additional documentation for multi-day events, large attendance counts, or specialized exposures.
Territories and Availability
The program is available through Bailey Special Risks in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY. Coverage is offered on a non-admitted (surplus lines) basis through United States Liability Insurance Group where applicable; agents should place according to their state licensing and surplus lines requirements.
Why Work With Bailey Special Risks, Inc. on Special Events Business
- Wholesale broker expertise that speeds placement for short-term accounts.
- Access to a dedicated event liability product with liquor and vendor coverage options.
- Flexible limits (up to 1M/1M) and common event endorsements to meet venue and sponsor requirements.
- Responsive underwriting focused on practical controls and loss prevention.
Example Client Scenarios
Example 1: You have a client organizing an outdoor community festival with multiple food vendors and volunteers. The event needs general liability with vendor product liability and volunteer coverage for a two-day weekend. This program can provide tailored limits and optional medical payments.
Example 2: An event planning client will host a ticketed fundraising gala with a hosted bar. You can use the program’s optional Host & Commercial Liquor Liability to address alcohol exposure and provide additional insured coverage required by the venue.
Frequently Asked Questions
What types of events are a good fit for Bailey Special Risks’ Special Events program?
Community festivals, weddings, vendor markets, charity fundraisers, concerts, and other short-term events with typical vendor/food service, volunteers, and temporary staff fit well. Events with specialized high-hazard exposures may require additional review.
What submission information is required to get a quote?
Provide event name, date(s), location, estimated attendance, alcohol service details, a list of vendors/entertainers, security plans, and any venue contract requirements. Loss history and vendor agreements help underwriters assess risk faster.
Is liquor liability available and how is it written?
Yes. The program offers optional Host & Commercial Liquor Liability coverage. Coverage availability and terms depend on whether alcohol is hosted by the organizer or sold by vendors; underwriting will consider service controls and licensing.
Which states is this program available in and how is it placed?
This program is available in the listed states (AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY). Coverage is provided through non-admitted capacity where applicable; place according to your state filing and surplus lines rules.
Need help placing an account? Connect with a market specialist.