Special Events Liability Insurance from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a flexible Special Events Liability Insurance program that helps agents and brokers place coverage for one-time or recurring events. Whether your client is running a festival, concert, wedding, sporting event, or community fair, this program is designed to address the specific liability exposures that come with public gatherings.
As a wholesale broker with access to multiple carrier markets, Continental Risk helps you deliver tailored protection while streamlining placement. Most coverage is available in admitted markets across a broad footprint of states, letting you handle accounts in many regions with confidence.
Ideal Accounts and Appetite
This program fits a wide range of events, including:
- Weddings and private parties
- Concerts and live performances
- Festivals, fairs, and parades
- Fundraisers, galas, and corporate functions
- Sporting events and tournaments
- Community and cultural events
Events that include alcohol service, youth participation, or large crowds are often eligible; optional coverages are available to address these elevated risks. High-hazard exposures (e.g., pyrotechnics, unpermitted rides, or licensed amusement rides) may require specialized underwriting or carrier placement.
Coverage Highlights and Advantages
The Special Events Liability program offers essential protections agents need to satisfy client and venue requirements:
- General Liability
- Comprehensive General Liability — limits up to $1M per occurrence / $3M aggregate
- Premises Liability
- Personal Injury Liability
- Abuse and Molestation coverage available
- Liquor Liability available as an add-on
- Umbrella / Excess Liability
- High excess limits for larger or higher-risk events
- Automobile
- Owned, non-owned, and hired auto coverage
These options help you meet contractual requirements from venues, vendors, and municipalities while protecting insureds against common third-party claims.
Underwriting Notes and Minimum Premiums
Underwriting is responsive and experienced with both simple and complex event risks. Appetite and pricing depend on event size, type, duration, expected attendance, alcohol exposure, and participant demographics. Submit complete event details for faster, more accurate quotes.
Territories and Availability
Continental Risk can place this program in most U.S. states, including CA, TX, FL, NY, IL, and WA. Coverage is generally available in both urban and rural settings, for single-day gatherings or multi-day festivals, subject to state-specific regulations and carrier appetite.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a trusted wholesale broker, Continental Risk brings deep event expertise and strong carrier relationships to help you win and retain business. Their team understands the fast pace of event planning and offers efficient service, fast turnaround on quotes, and access to specialized markets—especially for harder-to-place or higher-risk accounts.
Example accounts you might place through this program: a regional food and wine festival with live entertainment and alcohol vendors that needs liquor liability and higher limits; or a nonprofit's family fun day with children's activities that requires abuse and molestation coverage and hired auto protection for vendor deliveries.