Special Events Insurance
Special Events Insurance is insurance for a one-time or a series of events that are outside of the usual course of activities or business of the insured. These type of events may not be covered under the insured's Liability policy. These may include fundraisers, weddings, trade fairs, bike rallies, 5k runs, etc.
The Special Events policy will protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.
Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract.
In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.
Who needs Event Insurance?
Event organizers, social service organizations, anyone renting space to host an event.
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-- Jana Morris, Executive Director, Recovery Revolution, Bangor, Pa.
Ron Martin- not just my insurance guy but now a friend! He is sincere and truly cares about you and the success of my business. Checks in periodically just to see how we all are doing. Insurance buying was never so easy. Thanks, Ron.
-- J.& D. Morgan, Monkey's Uncle, Doylestown, Pa