At most special events across the country, injuries and accidents are common, and lawsuits frequently follow. Whether it’s bodily injury to a guest, property damage to a rented venue, or general negligence, liability exposures can be significant. Without proper coverage, your client could be held personally responsible for costly claims that threaten their financial well-being.
Overview of the Special Event Insurance Program From Prime Insurance Company
Prime Insurance Company offers a comprehensive Special Event Insurance program designed to protect your clients from the unexpected. With an all-in-one policy approach, Prime provides flexible solutions tailored to a wide range of event types and risk levels. Whether your client is organizing a one-day wedding or a multi-day festival, this program delivers broad protection and peace of mind.
Ideal Accounts and Appetite
This program is an excellent fit for:
- Weddings and Receptions
- Sporting Events and Tournaments
- Concerts and Music Festivals
- Trade Shows and Expos
- Religious or Cultural Celebrations
- Private Parties, Banquets, and Baby Showers
- Community Fairs and Showcases
The program is designed to accommodate both individuals and organizations hosting public or private events. Risks with complex liability exposures—such as alcohol service, crowd control, or high foot traffic—can be considered.
Example: You may have a client hosting a large outdoor concert in a public park. With third-party vendors, a liquor license, and thousands of attendees, this account would benefit from Prime’s comprehensive event liability package.
Coverage Highlights and Advantages
Prime Insurance Company offers broad and flexible protection, including:
- General Liability (including Spectator Liability)
- Property Damage to Rented Premises
- Event Cancellation Insurance
- Liquor Liability
- Umbrella/Excess Liability
- Professional Liability (as needed)
- Bodily Injury
- Personal and Advertising Injury
- Medical Expense Coverage
This all-in-one approach ensures that organizers, venues, vendors, and participants are protected under one policy, helping agents reduce gaps in coverage and streamline the quoting process.
Underwriting Notes and Minimum Premiums
Prime is known for its flexible underwriting and ability to consider unique or hard-to-place risks. While minimum premiums vary by event type and exposure, Prime works directly with agents to craft custom solutions. Risks with prior claims, last-minute submissions, or unusual exposures will be considered on a case-by-case basis.
Territories and Availability
This program is available nationwide, including all 50 states and Washington, D.C. Prime writes in both urban and rural areas and can handle events in challenging venues or jurisdictions.
Why Work With Prime Insurance Company?
As a carrier with a strong reputation for underwriting difficult risks, Prime Insurance Company offers agents a responsive, solution-oriented partner for special event business. Their deep experience with unique liability exposures, direct carrier authority, and ability to turn quotes quickly makes them an ideal resource for brokers looking to place event-related coverage with confidence.
To learn more or discuss your client’s needs, please reach out to Prime Insurance Company directly by phone or email.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for clients organizing weddings, concerts, sporting events, banquets, festivals, religious celebrations, and other private or public gatherings.
Can Prime Insurance cover events that serve alcohol?
Yes, liquor liability coverage is available for events where alcohol is served or sold, subject to underwriting approval.
Is this coverage available in all states?
Yes, Prime Insurance Company offers this program in all 50 states and Washington, D.C.
What if my client has had previous claims or a last-minute event?
Prime is known for flexible underwriting and will consider accounts with prior claims or short lead times on a case-by-case basis.
Does the policy cover event cancellation?
Yes, cancellation insurance is available and can be included in the overall event insurance package.
Need help placing an account? Connect with a market specialist.