Comprehensive Coverage for Event Professionals
Event planners and promoters face a wide range of liability exposures, from vendor mishaps to property damage, bodily injury, and data loss. Capitol Special Risks connects retail agents and brokers with specialized markets that understand these unique risks. We offer access to multiple carriers and both admitted and non-admitted options, depending on the state and risk profile.
Ideal Accounts and Risk Appetite
This program is ideal for:
- Independent event planners and coordinators
- Event production companies
- Concert, festival, and tradeshow promoters
- Wedding and party planners
- Marketing agencies handling promotional events
We can consider both small operations and larger businesses with significant exposure. Events with alcohol, live entertainment, or large crowds may require additional underwriting but are often eligible.
Coverage Highlights
Professional Liability
- Defense costs within limits
- Deductible options from $0 to $10,000
- Covers work performed by employees
- Retroactive coverage available
- Automatic renewals
- Limits up to $2 million aggregate
- Annual premiums starting around $270
General Liability
- Limits up to $2 million per occurrence
- Defense costs outside the policy limit
- No deductible
- Includes temporary staff and employees
- ISO-based form
Business Owners Policy (BOP)
- Up to $2 million per occurrence
- Up to $100,000 in business contents
- Up to $500,000 in building coverage
- Loss of electronic data: up to $10,000
- Computer operations interruption: up to $10,000
- Business income loss: up to 12 months
- Optional upgrades: crime, data liability, and HNOA
- Starting premiums from $500 annually
- ISO-based form
Underwriting and Minimum Premiums
We offer flexible underwriting with access to multiple markets to help you place business quickly. Minimum premiums vary based on the size and scope of each risk but can start as low as $270/year for Professional Liability. We provide fast turnaround and never charge broker fees, making it easy for agents to serve their clients efficiently.
Territory and Market Access
Capitol Special Risks can place event planner and promoter coverage in most states, including but not limited to: CA, NY, TX, FL, GA, IL, PA, and over 40 others. Some admitted markets are available depending on the state.
Why Partner With Capitol Special Risks
As a wholesale broker with decades of experience in E&O and niche liability exposures, Capitol Special Risks is your resource for placing difficult or specialized event-related accounts. We understand the fast-paced nature of event planning and offer responsive service, market access, and underwriting expertise to help you win and retain clients in this sector.
Call us today to discuss your next Event Planner or Event Promotion risk. We offer fast turnaround and never charge broker fees!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in insuring event planners, promoters, and production companies—ranging from wedding planners to large-scale music festivals and trade shows.
Can you cover events that serve alcohol or have live entertainment?
Yes, these events are often eligible, but they may require additional underwriting review and supplemental coverages.
Are both employees and subcontractors covered under these policies?
Employees are covered under most policies. Subcontractors may require separate coverage or additional insured status, depending on the policy structure.
What is the minimum premium for this coverage?
Minimum premiums vary by coverage type and risk size, but Professional Liability coverage can start around $270 per year and BOPs around $500.
Which states is this program available in?
This program is available in most states across the U.S., including CA, TX, NY, FL, and many others. Admitted markets are available in some areas.
Need help placing an account? Connect with a market specialist.