Special event liability may be written for a wide variety of events such as trade shows, company picnics, amateur sports events, and concerts. Liquor liability coverage is also available for these events.  

Underwriting Guidelines

1. An application (CW-1019 or ACORD) must be completed and signed.
   

2. Premiums are fully earned at inception.  Annual policies are subject to the 25% MEP rule at the underwriters discretion. However, premiums will earned as the events take place.  All premiums are Minimum and Deposit
   .

3. A target event is 3 days or less in duration and with fewer than 5,000 spectators any one day.  All events can be considered.  Check with underwriting.
   

4. Appropriate permits must be obtained from local authorities by the applicants. Copies of the approved permits should be attached to the application.
   

5. Spectators must be able to view the event from a clearly marked, separate area.  A diagram of the area should be submitted with the application.
   

6. Appropriate crowd control must be provided. Specify by whom and the number of security personal attending the event.
   

7. Inspections are not required on special events except at the discretion of  the underwriter.

 Submit for Approval

•  Events 4 or more days in duration.

•  Events with more than 5,000 spectators any one day.

•  All concerts open to the public, i.e., no charge for admission.

•  See special events program rate page for other submit events.

•  Concerts with unreserved seating or general admission concerts.

•  Trade, union or association sponsored meetings, rallies or activities.

•  Demolition derbies, snowmobile races, BMX or motocross races, and mud bog races.

•  Fireworks displays.  You must submit the certificate from the pyrotechnic in order to bind.

 Prohibited

•  Auto races, aviation, or boating events. Demo derbies are acceptable on a submit basis.

•  Concerts with mosh pits or that allow moshing.

•   Amusement devices or rides.

•   Circuses or Carnival companies

•   Fireworks contractors

•   Government entity sponsored or operated activities.

 OPTIONAL COVERAGE

 Participant Legal Liability Coverage

• This optional endorsement is available for most classes; submit for rating.
  

• The premium basis is number of participants (age 18 and over and under age 18) and type of event/activity.  The rate is banded.

 Accidental Medical Benefit Coverage

• This optional endorsement is available for most classes.  It is an excess coverage.
  

• The premium shall be determined by the type of event/activity, the ages of the participants, (age 18 and over and under age 18),  the duration of the event/activity, and if other applicable health insurance is available.  The premium will be a per person charge.
  

• All individuals to be considered for coverage must be scheduled at the time the endorsement is issued.  Please submit a list of team members, camp attendees, etc… Any changes to the rosters must be received by the Company before coverage becomes applicable.  No coverage can be backdated nor issued retroactively.

  Contact us by phone (800) 874-9191, FAX (602) 992-8227 or email below for more product information.

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Contact Information

General Information: ballen@eqgroup.com              Customer Service: mpallante@eqgroup.com
Mortality: apoling@eqgroup.com                               Entertainment: entertainment@eqgroup.com                   Webmaster: ballen@eqgroup.com