Special Event Insurance & Event Liability Coverage
Tailored Special Event Insurance protection for Entertainment, Recreation & Special Events in One Policy.
Allen Financial Insurance Group & The Equestrian Group
Special Event Insurance – Event Insurance
AFIG Entertainment is America’s First Choice for Special Event Insurance
Each year we insure thousands of special events whether it’s a birthday party, anniversary or baby shower, family reunion, or even Hip-Hop and Rock Concerts. Organizing a thoughtful event requires meticulous planning, not to mention a lot of energy. Unfortunately, you can’t plan everything and unforeseen occurrences like extreme weather, accidents, or illness could very well leave you in an uncomfortable position. So whether you’re planning an event for yourself or close family member, insurance for events can minimize your responsibility and loss if you face an unavoidable setback.
What Our Special Event Insurance Covers
We offer the broadest special event insurance coverage at the most competitive prices in the industry. Our policy guarantee is backed by forty years of experience in the entertainment insurance industry.
With an event insurance policy from AFIG, you’re covered for non-refundable deposits, cancellation fees, and even injury or liability from accidents during your event.
Special Event Liability Insurance is ideal for private events, corporate/business events, and other group gatherings like non-profit fundraisers. It helps safeguard your investment so you don’t lose deposits, incur additional expenses, or suffer liabilities.
Get a Quote
Call us to discuss your insurance needs with our entertainment insurance experts and get an immediate quote today or go on-line for a Quick Quote a few minutes could save you hundreds of dollars. Our knowledgeable staff and preferred policies provide unparalleled protection for thousands of events, entertainers, and venues throughout the world.
As a national broker, we have access to many of the major insurance companies in the United States. As a national general agent we regularly quote, bind and issue your policy on the same day! Our comprehensive insurance portfolio gives you the ability to combine broad property, liability, automobile, and umbrella coverage in one A rated policy!
Bar or Bat Mitzvah
Rap – Hip Hop
Concerts (ALL Genres)
Many, More …
Standard Special Event Limits
|Aggregate Products / Completed Operations||$1,000,000|
|Personal / Advertising Injury||$1,000,000|
|Fire Legal Liability||$100,000|
|Host Liquor Liability||INCLUDED|
Special Event Insurance Also Includes
- Contractual liability provided
- Premises Owner, Co-Promoters & Sponsors included as additional insured !
- Blanket additional insureds
- Separate limits for personal injury liability and advertising injury liability
- Commercial liquor liability available
- Automatic additional protected person status for Lessors and Volunteer Workers
- Employee and Volunteer injury that results from failure to provide first aid
- Set up and take down (day before & day after).
- Terrorism coverage
- Higher Liability Limits available to $20,000,000!
Optional Coverage for Special Events
- Participant Legal Liability Coverage
- Liquor Legal Liability Insurance
- Third Party Property Damage
- Participant & Spectator Medical Benefit Coverage
- Event Cancellation Insurance
- Rain & Weather Insurance
- Rented Equipment, Props, Sets & Wardrobe
- Flood & Earthquake
- Boiler & Machinery
- Directors and Officers
- Umbrella Excess Policy
Things you should know about Special Event Insurance & Event Liability Coverage
Why Do I Need Special Event Insurance?
If you organize family, business or community events, you know how much planning and effort is involved to make the occasion both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Without adequate event insurance liability protection you will have to pay damages and defense costs yourself. If the damages and costs are high enough you may suffer financial hardship or bankruptcy.
What Does The Special Event General Liability Policy Cover?
This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada. The general liability policy will pay the damages imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy. Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs. The policy will also add the venue, sponsors, volunteers and co-producers as additional insured’s.
Certificate of Insurance vs Additional Insured Endorsement
When producing a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions. More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.
Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy. The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.
What is the Difference between Host Liquor and Liquor Liability coverage?
Host Liquor Liability Insurance provides protection for the event holder against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated event guest. Host Liquor Liability coverage applies only if there is no transfer of money for alcohol or service/product packages that include alcohol. If there is any money changing hands and alcohol is served, Host Liquor Liability coverage does not apply, only Liquor Liability coverage will provide the proper protection. Host liquor liability insurance is included at no additional charge with an AFIG Event Liability Insurance Policy.
Liquor Liability or Dram Shop Coverage provides coverage and defense for an event holder who charges for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. If there is any money changing hands and alcohol is served, Liquor Liability coverage provides the proper protection. It also provides coverage if the event holder violates any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. Liquor Liability Insurance is an optional coverage available when purchasing an AFIG Event Liability Insurance.
What is Third Party Property Damage Liability / Care, Custody, Control Liability?
Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured. Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for direct physical damage the the rented premises.
What is Waiver of Subrogation?
Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation. Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages. Suppose you experience a financial loss due to the negligence of a third party. Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party. In essence, your insurance company has been given your rights of recovery after paying your claim. Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy. If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party. If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.
Event Cancellation Insurance including Non-Appearance
This policy reimburses you for your net loss should the performance or event be necessarily cancelled, postponed or rescheduled due to any peril except what is excluded.
If your event relies on the appearance of a person or group (performer, speaker, player, invited guest, team, etc.), the non-appearance option will protect you from the non-appearance of that individual.
Weather Insurance protects against adverse weather conditions that reduces attendance and revenue. It is designed to offset not only the revenue lost due to reduced attendance but other revenue sources such as concessions, food and parking. It can cover perils such as Rain, Snow, Wind and Temperature. Standard property insurance typically covers income losses only when they result from direct physical damage to insured property by a covered peril. Weather insurance fills a gap by providing coverage when weather causes a loss in income or increase in expenses, but with no attendant physical damage.
Special Event Insurance Classifications
Classical Music Concerts, Country Western, Heavy Metal, Jam and Jazz Concerts, Pop Music Concert, Concert Promoters, Rap / Hip Hop**, Rock, Salsa Concert, Reggae, New Age, Blue Grass, School Band Competitions or Events and Symphony Concerts.
Exhibitions & Conventions
Auctions, Drill Team Exhibitions, Educational Exhibitions, Job Fairs, Trade Shows
Festivals & Amusement
Art Festivals, Bazaars, Carnivals, Circus, County Festivals and Fairs, Country Western Events, Rodeos, Corn Maze, Cultural Events, Exhibitions, Festivals, Fireworks Displays, Harvest Festivals, Parades, Haunted Houses, Oktoberfest, Pumpkin Patch, Tractor Pulls
Lectures, Seminars and Speaking Engagements.
Amateur Association Meetings, Book Signings, Business Meetings, Church Services or Meetings, Civic Club Meetings, Conferences, Evangelistic Meetings, Ladies Club Events, Luncheons, Meetings – Indoors, Meetings – Outdoors, Professional Association Meetings, Record Signings, Teleconferences and Union Meetings.
Film Production, Fireworks and Pyrotechnics.
Anniversary Parties, Banquets, Birthday Parties, Block parties, Business Parties, Debutante Balls, Old Timer Events, Picnics, Proms, Reunions – Indoors, Reunions – Outdoors, Social Gatherings – Outdoors, Social Receptions, Street Closures and Wedding Receptions.
Chamber of Commerce Events, Heads of State Events, Political Rallies and Voter Registration.
Religious or Spiritual Gatherings
Charity Benefits and Séances, Religious Meetings
Auctions, Bazaars, Christmas Tree Lots, Rummage Sales, Sales – Other, Sidewalk Sales, Swap Meets, Flea Markets and Telethons.
Animal Acts and Shows, Antique Shows, Art Shows, Auto Shows, Award Presentations, Beauty Pageants, Boat Shows, Business Shows, Camera Shows, Card Shows, Casino Shows, Comedy Shows, Computer Shows, Consumer Shows, Craft Shows, Debuts, Fashion Shows, Film Screenings, Film Showings, Flea Markets, Flower Shows, Garden Shows, Gun and Knife Shows, Home Shows, Hypnotists, Ice Skating Shows, Livestock Shows, Lounge Shows, Mobile Home Shows, Nightclub Shows, Pageants, RV Shows, Talent Shows and Vacation Shows
Sports Events, Games & Dance
Aerobics Classes or Events, Ballets, Balloon Events, Baseball, Basketball, Bicycle Races, Bicycle Rallies – Not including any Racing, Bingo Games, Body Building Contests, Boxing, Casino Nights, Classic Dance Shows, Easter Egg Hunt, Fishing Events, Football Games, Gymnastic Competitions, Hockey Games, Horse Shows, Instructional Classes, Jazzercise, Jazzercise Classes or Events, Junior Athletic Games, Karate Meets, Marathons (walking, running, etc.), Overnight Camping, Polo Events, Professional Sporting Events, Rodeos and Roping Events, Scouting Jamborees, Ski Events, Soap Box Derbies, Softball Events, Sporting Events in Buildings – Non-professional, Swimming, Swimming Pool Facilities, Tap Dancing, Tractor Pulls, Triathlons, Volleyball Events, Water Activities or Events and Wrestling.
Film Screenings, Play Readings, Plays and Theatrical Stage Performances.