Special event liability insurance provides coverage for third-party bodily injury and property damage that may arise out of an event. The special event insurance coverage can be provided on a short-term basis for event organizers or exhibitors, or it can be provided on an annual basis for event/meeting planners and other professionals.

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OPTIONAL COVERAGES

 

  • Liquor liability provides coverage for potential claims that may arise out of the serving of alcohol at an event. Our standard GL policy provides host liquor insurance, which applies when an insured is not in the business of selling, serving, or distributing liquor.
  • NOHA (Non-owned / hired auto).
  • Inland Marine provides coverage for the replacement value of rented equipment by the insured if damage were to occur while under the insured’s control.
  • Excess spectator/participant / volunteer medical coverage provides coverage when a spectator / participant / volunteer injures themselves at an event and needs only their medical expenses covered. The Special Event Liability Insurance policy acts as an excess policy over a person’s primary insurance but acts as primary insurance if no other coverage is in place.
  • Additional insured certificates are available for a person or an organization that has a financial interest or liability at stake for your event.
  • For film / commercial shoots we can offer GL coverage up to $10 million in limits; negative film; faulty stock; props, sets, and wardrobe; miscellaneous equipment; extra expense up to $1 million; third-party property damage; and money and securities.

LIMITS

  • General Liability Insurance: $1 million per occurrence / $2 million aggregate
  • Liquor liability: $1 million per occurrence / $1 million aggregate
  • NOHA: $1 million
  • Inland marine: Varies by the value of the equipment rented
  • Excess spectator/participant medi- cal: $5,000 per occurrence/ $50,000 aggregate
  • Excess volunteers medical: $50,000 per occurrence / $250,000 aggregate
  • Participant medical: $10,000 or $25,000 per occurrence / $50,000 aggregate

EXCESS LIMITS

  • Excess limits of up to $15 million available

TARGET INSUREDS

  • Animal shows
  • Arts and crafts festivals
  • Beauty pageants
  • Fashion shows
  • Concerts
  • Conventions
  • Dances
  • Exhibitions
  • Film / commercial shoots
  • Fundraisers
  • Graduations
  • Luncheons and picnics
  • Marathons
  • Meetings
  • Parties
  • Performers/bands
  • Receptions
  • Religious ceremonies
  • Road races (running)
  • Seminars
  • Sporting events
  • Weddings
  • And much more

TENANT USER LIABILITY INSURANCE POLICIES (TULIP)

TULIP programs are a simple solution for venues or facility owners to set up annual policies covering third-party liability for their lessees when holding events. The coverage provides the proper general liability insurance for the lessee based on the venue or facility’s requirements and therefore holds the venue/facility harmless should an incident occur during the event. Through our TotalEvent online system, the venue and/or broker will have the ability to set up annual TULIP policies based on certain event types. Lessees can go into their own portal and either opt into the group policy for that particular event or upload their own proof of insurance.

FAQ

What is Special Event Liability insurance?
What is Special Event Liability insurance?

Special Event Liability insurance provides coverage for third-party bodily injury and property damage that might occur during an event. This coverage can be on a short-term basis for event organizers or exhibitors, or on an annual basis for event/meeting planners and other professionals. It may encompass various coverages including general liability, liquor liability, non-owned/hired auto (NOHA) liability, and others based on the specifics of the event.

What types of events are covered by this insurance?
What types of events are covered by this insurance?

This insurance covers a wide variety of events including but not limited to: animal shows, arts and crafts festivals, beauty pageants, fashion shows, concerts, conventions, dances, exhibitions, film/commercial shoots, fundraisers, graduations, luncheons and picnics, marathons, meetings, parties, performances by bands, receptions, religious ceremonies, road races (running), seminars, sporting events, and weddings.

Is the special event liability insurance required for all events?
Is the special event liability insurance required for all events?

Special Event Liability insurance is not always mandatory for every event. Its necessity depends on various factors like the type of event, location, and local regulations. While some venues or event organizers may require it, others may not. It’s crucial to assess your event’s specifics and consult with insurance professionals to determine if this coverage is needed to safeguard against potential risks.

What is the max coverage for special event liability policy?
What is the max coverage for special event liability policy?

The maximum coverage limit for the special event liability policy varies based on the type of coverage in question. For General Liability Insurance, it is $1 million per occurrence with a $2 million aggregate. There are also options for excess limits up to $15 million. Other coverage types have different limits as detailed in the original text.
Can special event liability policy be customized to specific event requirements?
Can special event liability policy be customized to specific event requirements?

Yes, the policy offers a variety of coverages that can be tailored to meet the specific requirements of an event. Coverage options include liquor liability, NOHA, Inland Marine, various levels of medical coverage, and more, which allows for a customized policy based on the event’s needs.
What is the claims process for the special event liability insurance?
What is the claims process for the special event liability insurance?

The claims process for Special Event Liability insurance typically involves notifying the insurance provider immediately after an incident. This notification triggers an investigation, and if the claim is valid, compensation is provided to cover eligible expenses like medical bills or property damage. The exact process can vary based on the policy and insurance company, so it’s important to review your policy and follow their specific instructions.
What is the underwriting process for special event liability insurance?
What is the underwriting process for special event liability insurance?

The underwriting process for Special Event Liability insurance involves assessing the risk associated with the event. This includes reviewing event details, location, size, and the type of coverage needed. Underwriters determine the policy terms, such as coverage limits and premiums. The process varies by insurer, but it’s crucial to provide accurate event information for a tailored policy.

What factors determine the premium rates for special event liability insurance?
What factors determine the premium rates for special event liability insurance?

The factors that determine the premium rate include the type of event, expected attendance, location of the event, and the different types of coverages selected.

What types of damages are covered under special event liability insurance?
What types of damages are covered under special event liability insurance?

Special event liability insurance covers third-party bodily injuries and property damage. It can also cover liquor liabilities, damages to rented equipment (Inland Marine), medical expenses for spectators, participants, and volunteers, third-party property damage in film/commercial shoots, and more based on the selected coverages.

What are the exclusions under special event liability insurance?
What are the exclusions under special event liability insurance?

Events where liquor is being served, fireworks or inflatable attractions or occur outside of Canada are a decline. Each event may be subject to exclusions based on the activities that are included on the submission. Please reach out to an underwriter to discuss as events are often unique with the activities and exposures.

Can multiple events be covered under a single policy?
Can multiple events be covered under a single policy?

Yes, annual policies can be arranged for event/meeting planners and other professionals to cover multiple events throughout the year. TULIP programs also allow venue or facility owners to set up annual policies covering third-party liabilities for their lessees holding various events.

What is the cancellation policy for special event liability insurance?
What is the cancellation policy for special event liability insurance?

The cancellation policy for Special Event Liability insurance varies by insurer. Typically, policies can be canceled by the insured or the insurer. If canceled by the insured before the event, a refund or partial refund may be available, but it depends on the insurer’s terms. If canceled by the insurer, they typically provide notice and refund any premium paid. Specific terms should be reviewed in the policy.

How do I purchase special event liability insurance for my clients?
How do I purchase special event liability insurance for my clients?

To purchase Special Event Liability insurance for your clients, simply reach out to CHES underwriters. Our experienced team specializes in event coverage and can guide you through the process. Contact us today to discuss your client’s specific needs and secure the right insurance for their event.

Special Event Liability vs General Liability insurance differences?
Special Event Liability vs General Liability insurance differences?

Special event liability insurance is designed to cover specific events, providing coverages that are tailored to the needs of an event, while general liability insurance offers broader coverage for a business’s general operations.

Can Special Event Liability insurance be extended for longer events?
Can Special Event Liability insurance be extended for longer events?

Special event coverage may be available for a single event of varied durations or coverage may qualify for a single policy to cover multiple events over an annual period.

Can my clients purchase Special Event Liability insurance for multiple events yearly?
Can my clients purchase Special Event Liability insurance for multiple events yearly?

Yes, annual policies are available for event/meeting planners and other professionals to cover multiple events throughout the year. Moreover, TULIP programs can facilitate third-party liabilities for various events held throughout the year at a particular venue or facility.