Policy Highlights for Special Events:
Colonial General Insurance Agency, Inc. offers a dedicated Special Events Insurance program that helps agents and brokers place short-term event risks with flexible underwriting and wide coverage options. Whether your client is staging a small neighborhood fundraiser or a large public festival, this program supports tailored Property and Liability solutions on a mono-line or package basis.
Ideal Accounts and Appetite
This program fits a broad variety of temporary and seasonal events, including:
- Art and craft shows
- Bazaars and exhibitions
- Concerts and dances
- Festivals and fairs
- Bicycle and running events
- Christmas tree lots and pumpkin patches
- Firework displays and stands
- Haunted houses
- Meetings and trade shows
Programs are designed for events with moderate to high foot traffic, temporary structures, rented equipment, and food or alcohol service. Coverages can be tailored to include liquor liability and crime exposures when needed.
Example scenarios:
- You have a client running a three-day street festival with food vendors and live music — coverage can include general liability, liquor liability for vendor sales, and inland marine for rented equipment.
- You represent a nonprofit planning a one-day charity run with temporary road closures and high participant counts — the program can provide high occurrence limits and medical payments coverage to manage participant exposures.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence/Aggregate
- Liquor liability available for qualifying events
- Medical payments included—$5,000 limit
- Excess/Umbrella capacity up to $25,000,000
- No deductible required in many cases
Property Coverage:
- Building and contents for temporary structures
- Business income and equipment breakdown
- Computer equipment and outside signs
- Food spoilage and inland marine for transported or rented items
- Valuable papers and accounts receivable
- Basic, Broad, or Special Form available
- Replacement Cost or Actual Cash Value options
Crime Coverage:
- Inside the premises—Theft of money and securities
- Inside the premises—Robbery or safe burglary of other property
- Outside the premises coverage for in-transit exposures
Underwriting Notes and Market Access
Colonial General works with multiple admitted and non-admitted markets to provide flexible placement options. Underwriting emphasizes the specific exposures of each event—attendance, alcohol service, vendor operations, temporary structures, and security plans are key factors. There is no required minimum deductible, and submissions are streamlined for quick quoting and binding. Contact Colonial General to confirm carrier availability and appetite for higher-risk or high-attendance events.
Territories and Availability
This Special Events program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise with broad market access. Agents benefit from a responsive underwriting team, multiple carrier options (admitted and non-admitted where available), and experience placing complex or nonstandard event risks. Colonial General can help you structure limits and endorsements to match each event’s risk profile and deliver turnkey proposals to your insureds.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Temporary and seasonal events—festivals, fairs, concerts, art shows, haunted houses, and food/beverage events—are a strong fit, including those requiring liquor liability.
Can I get liquor liability coverage for events that serve alcohol?
Yes. Liquor liability is available for qualifying events where alcohol is served or sold; underwriting will evaluate service method, controls, and vendor operations.
Is there a minimum premium requirement for this program?
Minimums vary by event type, location, and coverages selected. Reach out to Colonial General for specific underwriting thresholds and quick premium guidance.
Which states is this program available in?
This Special Events Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
How quickly can coverage be bound for a special event?
Colonial General offers a streamlined submission and quoting process for most event risks, enabling fast turnaround on quotes and binding when required documents are provided.
Need help placing an account? Connect with a market specialist.