Overview
Brown & Riding offers a flexible Special Events Insurance program designed for one-day, multi-day, or annual event exposures. Policies are available through excess & surplus markets and are intended for events with up to 10,000 attendees or up to 10,000 alcohol consumers per day. This program pairs broad general liability and liquor liability capacity with quick turnaround for bound business when completed Special Event and Liquor Supplemental applications are provided.
Eligible exposures
Brown & Riding underwrites over 100 classes of special events. Common and well-suited account types include:
- Beer gardens / beer tents and alcohol-served events
- Conventions and trade shows
- Motor vehicle events and tournaments
- Concerts, music performances, and festivals
- Parades, rodeos, and sporting events
- Fundraisers, parties, auctions, arts & crafts fairs, and shows
- Event cancellation protection (permitted on a case-by-case basis)
Ineligible risks (typical)
The program declines high risk attractions and activities, including:
- Political conventions
- Parachute jumping
- White water or wind surfing
- Pyrotechnics or fireworks displays
Coverage highlights & advantages
Key features of this Special Events Insurance program:
- General Liability and Liquor Liability capacity up to $3,000,000 (limits influenced by attendee counts and state)
- Access to A-rated carriers through Brown & Riding’s market relationships
- Quick quote turnaround when the completed Special Event and Liquor Supplemental applications are provided
- Optional extra days for set up and take down
Underwriting notes & minimums
Underwriters will consider attendee counts, alcohol service, venue type (indoor vs. outdoor), security plans, traffic/control measures, and vendor contracts. Completed supplemental applications reduce turnaround time. This program is placed through excess & surplus lines; Brown & Riding operates as a general agency and E&S broker for these accounts. Minimum premium: $350.
Territories and availability
Available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. Coverage availability and terms can vary by state and by carrier.
Why place events with Brown & Riding
Brown & Riding combines specialized event underwriting expertise with access to multiple A-rated E&S markets. The program is geared toward agents who need fast responses, flexible options for liquor exposures, and capacity for larger attendee counts. You’ll find competitive limits for both general and liquor liability and practical options for event setup/takedown days.
Example accounts
- A county music festival seeking $2M general liability and liquor liability for weekend operations with on-site beer tents and security plans.
- A nonprofit gala with a wine/beer bar requesting a one-day liquor liability policy and extra hours for vendor load-in and load-out.
Contact Brown & Riding through CompleteMarkets for quotes and submission requirements for Special Events Insurance.