Specialty Liability Coverage for Airmeets and Balloon Events
If your client is organizing an airshow, hot air balloon festival, or similar aviation-themed event, Shannon & Luchs Insurance Agency, Inc. offers a tailored solution to address their unique risks. Our Airmeet & Balloon Meet Liability program provides specialized liability coverage for these events, helping protect organizers from third-party claims related to bodily injury and property damage.
Ideal Accounts and Appetite
This program is designed for insureds planning or hosting:
- Airshows or air meets
- Hot air balloon festivals or competitive ballooning events
- Community or municipal aviation-themed gatherings
- Private or commercial aviation exhibitions
Events must not involve participants or passengers in aircraft, balloons, or any performing vehicle, as these exposures are excluded from coverage.
Whether you're working with a municipality organizing an annual airshow or a private organizer hosting a hot air balloon rally, this program offers a great fit for events where spectator safety and third-party liability are key concerns.
Coverage Highlights and Advantages
Underwritten through ACE Property & Casualty (Best Rated A), this policy offers strong liability protection with several important features:
- Per Occurrence Liability Limit – No general aggregate applies, offering consistent protection per claim.
- Bodily Injury Includes Fright & Mental Anguish – Helps address non-physical injury claims that can arise from event-related incidents.
- Duty to Defend – Legal defense is covered and provided by the carrier, with costs paid in addition to liability limits.
- Property Damage – Includes loss of use coverage, a key exposure at public events.
- Automatic Coverage for Mobile Equipment – Covers both owned and non-owned mobile equipment while on event premises.
- Limited Contractual Liability – Included to support common vendor and venue agreements.
- Emergency Medical Malpractice – Included up to the policy limit, valuable for events with onsite first aid or medical teams.
Important Exclusion: This policy does not cover participants or passengers in aircraft, balloons, or performing vehicles.
Underwriting Notes
All accounts are individually underwritten. While no minimum premium is listed, rates and terms will vary depending on the size, location, and features of the event. Submission of event details, safety protocols, and prior claims history (if applicable) will help streamline the underwriting process.
Territories and Availability
This program is available on a non-admitted basis in all 50 states and Washington, DC. Whether your client is in Texas, California, New York, or anywhere in between, Shannon & Luchs can help you place this specialized liability risk.
Why Work With Shannon & Luchs Insurance Agency, Inc.?
As a trusted general agency with deep experience in event liability and niche programs, Shannon & Luchs offers responsive service, expert underwriting guidance, and access to top-rated carriers like ACE USA (written on Westchester Fire paper). When your client needs tailored protection for aviation-related events, you can count on us to deliver a competitive and reliable solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for organizers of airshows, balloon festivals, and aviation-themed public events where spectator liability is a concern.
Are participants or passengers in aircraft or balloons covered?
No. The policy excludes coverage for participants or passengers in any aircraft, balloon, or performing vehicle during the event.
Can this coverage be used for recurring annual events?
Yes. Events that recur annually can be reviewed for coverage each year, subject to underwriting approval and any changes in scope or risk profile.
Is defense coverage included in the liability limit?
No. Defense expenses are paid in addition to the liability limits, offering added protection for your client.
What states is this program available in?
This program is available in all 50 states and Washington, DC.
Need help placing an account? Connect with a market specialist.