Special Event Liability Insurance (also referred to as CGL, Commercial General Liability or Spectator Liability) is an insurance policy designed to provide broad protection for situations in which an event holder or concessionaire must defend itself against lawsuits or pay damages for bodily injury or property damage
Special Event Liability Insurance (also referred to as CGL, Commercial General Liability or Spectator Liability) is an insurance policy designed to provide broad protection for situations in which an event holder or concessionaire must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. Host liquor liability is included if there is no transfer of money for alcohol. This policy also gives protection to the venue and or sponsors of the event by adding them to the policy as an additional insured. Examples, such as a slip and fall or damaged floors are covered by this type of policy. Exclusions do apply
You, the special event holder, will most likely be required to provide proof of liability insurance to the facility/venue where you have decided to hold your special event. In addition to providing proof (in the form of a piece of paper known as a Certificate of Insurance) to the facility/venue that you have secured a liability insurance policy, you may also be required to add the facility/venue to this required liability insurance policy as an insured. This is known as adding the facility/venue as an Additional Insured to this liability insurance policy, which the facility/venue requires you to purchase before you will be allowed to hold your special event.
The practice of a facility/venue requiring that all persons or entities renting or using the site name them as an Additional Insured on a General Liability insurance policy, is quite common. It is so common, in fact, that the required Additional Insured wording or language is generally contained within the Insurance Requirement section of the Facility Rental Agreement or Facility Use Agreement.
During the online application process, you can enter your venue's required wording. You will receive your policy documents and certificate of liability instantly online.
We cover both private and public events with over 500 different event types.
The person, organization or company responsible for the organization and promotion of the special event and typically the signer of the rental facility use agreement.
A vendor/exhibitor/concessionaire is a person or firm that operates a business within the premises belonging to another under a concession, usually as the only seller of certain goods or services during a short duration special event such as a carnival, convention, concert or flea market. An example of a concessionaire would be a jewelry salesman at a swap meet or an artist selling their art at an arts and crafts show.
We have several limits and coverage options available to cater to your particular events needs. Complete an online quote to view all options and pricing.
We offer General Liability, Care, Custody or Control, Damage to Premises, Medical Payments, Contractual Liability, Non-owned and Hired Auto Liability, Waiver of Subrogation
The policy protects the person or business/organization under whose name it was purchased (the "Named Insured"). Your facility can also be added as an Additional Insured.
General liability insurance is used to protect the insured involved in the event, against property damage or bodily injury caused by agents or employees of the insured. You need special event insurance because society as a whole has become more litigious than ever.