BTIS – Builders & Tradesmens Insurance Services, Inc. offers a flexible, fast Special Events Insurance program designed for venues, event planners, and individuals hosting temporary events. Built for agents and brokers who need quick, affordable solutions, this program covers a wide range of gatherings — from weddings and private parties to corporate functions, festivals, and concerts.
Overview of the Program From BTIS
As both a general agency and carrier partner, BTIS provides access to one of the more competitive event insurance markets nationwide. The product is intended for clients who must provide their own liability coverage or who want assurance against common event exposures. Simple online quoting and fast bind capability make this program a reliable option for last-minute events or multi-event planners. Coverage is available across the country, including all 50 states and Washington, DC.
Ideal Accounts and Appetite
This program is a strong fit for a broad spectrum of events and organizers, including:
- Weddings and receptions
- Birthday, anniversary, and private parties
- Corporate gatherings, conferences, and retreats
- Festivals, concerts, and fairs (up to 5,000 attendees)
- Holiday or seasonal events
- Independent event planners and professional coordinators
BTIS supports more than 410 event classification codes, allowing you to place diverse event types. Typical fits include single-location events and planner portfolios; higher-risk operations (e.g., pyrotechnics, high-risk rides) may require additional underwriting review.
Coverage Highlights and Advantages
Key features that make this program attractive to agents and insureds:
- Host liquor liability included with the option to add retail liquor liability
- Limits and wording options suitable for events up to 5,000 attendees
- Waiver of Subrogation and Primary wording available upon request
- Free Additional Insured endorsements for venues or vendors
- Hired and Non-Owned Auto coverage available up to $1,000,000
- Medical Payments coverage included
- Professional Liability available for event planners (limits up to $1,000,000)
Available Limits
- Each Occurrence: $1,000,000 available
- Personal & Advertising Injury: $1,000,000 standard; $2,000,000 available
- General Aggregate: $1,000,000 or $2,000,000
- Products / Completed Operations: $2,000,000 or $3,000,000
- GL Deductible: $1,000
- Professional Liability Deductible: $2,500
Underwriting Notes and Minimum Premiums
Minimum premiums vary by event type, size, and coverages selected. The program is designed for quick quotes and binding; however, unique or complex events (multi-day festivals, high-risk attractions, or large-scale productions) may require additional underwriting review and documentation. BTIS underwriters are available to assist with unusual exposures and planner portfolios.
Territories and Availability
BTIS offers this Special Events program in all 50 states and Washington, DC. Whether your client is hosting a wedding in California, a corporate retreat in Texas, or a festival in New York, you can obtain coverage through BTIS’s platform.
Why Work With BTIS on Special Event Insurance
BTIS combines market access with a streamlined quoting process aimed at helping agents place event business quickly. Their product includes host liquor liability and planner-specific professional liability options, plus flexible additional insured handling—features that make it easier to meet venue or vendor contractual requirements. Responsive underwriting and an extensive classification table help you place diverse event risks efficiently.
Example scenarios where this program fits well:
- An independent event planner organizing back-to-back weddings who needs professional liability and general liability coverage for multiple dates.
- A community festival with several vendors and alcohol service, requiring host liquor and hired/non-owned auto protection for attendees and volunteers.
If you’d like a quote or help placing an account, connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program suits weddings, private parties, corporate events, festivals, and event planners managing a variety of functions.
Is liquor liability included in the coverage?
Yes. Host liquor liability is included by default; retail liquor liability can be added when a permit or sales of alcohol require it.
Can this program handle large events?
Yes. Events with up to 5,000 attendees are eligible, though larger or higher-risk events may need additional underwriting.
Are event planners eligible for coverage?
Yes. Professional liability for event planners is available with limits up to $1,000,000.
Is the program available in all states?
Yes. BTIS offers this program in all 50 states and Washington, DC.
Need help placing an account? Connect with a market specialist.