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The Short-Term Special Events program provides primary event General Liability coverage for short-term non-sports events. Coverage for 5 additional set up days (if coverage is purchased far enough in advance) and 5 additional tear down days is automatically provided. Host Liquor coverage is available.
All coverage is provided on an admitted basis by "A" rated carriers.
ELIGIBLE EVENTS
- Auctions
- Award Presentations
- Banquets and Luncheons
- Bar and Bat Mitzvahs
- Bazaars
- Bingo Games
- Book Signings
- Car Shows (auto static only)
- Charity Auctions, Benefits, Dances, and Sales
- Conventions
- Debutante Balls
- Debuts
- Dinners, Luncheons, and Showers (e.g., Anniversary, Birthday, Baby, Wedding)
- Educational Tournaments (e.g., Chess, Math, Spelling, Geography)
- Festivals (e.g., Art, Craft, Ethnic, Harvest)
- Flea Markets
- Graduation Ceremonies
- Job Fairs
- Lectures
- Meetings (e.g., Business, Civic Club, Evangelistic, Fraternals)
- Pageants
- Parties (e.g., Anniversary, Birthday, Graduation, Retirement)
- Picnics (no water activities)
- Poetry Readings
- Political Campaign Rallies
- Proms or Formal Dances
- Recitals
- Religious Assemblies
- Reunions (e.g., Class, Family, Military)
- Rummage Sales
- School Band and Drill Team Competitions
- School Carnivals (no rides)
- Seminars or Educational Exhibitions
- Shows (e.g., Antique, Art, Auto-Static Display, Boat, Business, Consumer, Craft, Fashion, Flower, Garden, Home, RV, Trade, Vacation)
- Social Gatherings and Receptions
- Speaking Engagements
- Swap Meets
- Telethons
- Walk-A-Thons (fundraising only)
- Weddings and Wedding Receptions
- Zoo Outings
INELIGIBLE EVENTS AND ACTIVITIES
- After-Hours Parties (e.g., After Prom, Graduation Night, Retirement)
- Amusement Rides, Mechanical Devices, Rock Climbing Walls, or Inflatables
- Animal Rides
- Animal Shows (e.g., Cat, Dog, Horse, Livestock Judging)
- Cave Explorations
- Concerts
- Fairs
- Fireworks or Pyrotechnics
- Fishing Derbies
- Fraternity or Sorority Parties
- Motorsports Events (including Demolition Derbies, Mud Bogs, Tractor Pulls, Races, and Stunt Shows)
- Overnight Accommodations or Camping Facilities
- Overnight Lock-ins
- Parades
- Rodeos
- Sporting Events
- Stage Shows (e.g., Dance, Musical, Theatrical)
- Vendors and Exhibitors
- Water Activities
- Wine Tastings
THIS PROGRAM PROVIDES COVERAGE FOR EVENTS
- Held at a single location
- Up to 10 consecutive event days
- Up to a maximum total attendance of 15,000
- Host liquor coverage is available
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COVERAGE IS NOT AVAILABLE IN FLORIDA.
General Liability Limits
- $1,000,000 Occurrence
- $3,000,000 General Aggregate
- $1,000,000 Products-Completed Operations Aggregate
- $1,000,000 Personal and Advertising Injury
- $300,000 Damage to Premises Rented to You
- $5,000 Medical Payments
General Liability Notable Exclusions & Endorsements
- Asbestos Exclusion
- Lead Exclusion
- Fungi/Bacteria Exclusion
- Abuse or Molestation Exclusion
- Amusement Devices Exclusion
- Fireworks Exclusion
- Additional Insured - Certificate Holders
- Products-Completed Operations Hazard Redefined
- Exclusion - Designated Products (products coverage is not provided for guns, knives, and other weapons or automobile, aircraft, and watercraft parts)
- Exclusion - Bodily Injury to Performers
- Exclusion - Bodily Injury to Athletic or Sports Participants
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