About This Coverage

The Special Events product offers broad coverage on a standalone policy for individuals and business entities with special event exposures. General Liability and Liquor Liability coverage is available for a multitude of event types and activities, with special pricing and coverage offered for host exposures.

State Eligibility


Eligible State

State Not Available

Industries Available


  • Arts, Entertainment, and Recreation

Coverage Limits


Up To

$2M

Minimums


Key Features


  • Offers General Liability and/or Liquor Liability coverage
  • Includes first Additional Insured for no added premium
  • Food and beverage product liability is included in the general aggregate limit
  • Coverage for damage to rented premises
  • Coverage included for volunteers, temporary or leased workers, and committee members
  • No deductible for General Liability or Liquor Liability
  • Waiver of Subrogation and Primary/non-contributory wording available
  • Special host Liquor Liability is available for events with 500 attendees per day
  • Enhanced coverages for host Wedding Events
    • Loss of Deposits and Damage to Wedding Attire included
    • Coverage for jewelry, photographs, gifts, cancellation, and rehearsal dinner available

Preferred Classes


  • Car/Motor Vehicle Shows
  • Educational Events
  • Fairs/Festivals
  • Fundraisers
  • Miscellaneous Events (Offers General Liability and/or Liquor Liability Coverage)
  • Parades
  • Social/Life Events
  • Sporting Events/Competitions
  • Trade Shows/Business Events

Restricted Classes


  • Hot Air Balloon Rides
  • Haunted Houses, Hayrides or Corn Mazes

Eligible Vehicle Types


Trucks

Trailers

Vans & PPVs

Liability Coverages


Underwriting Guidelines


Additional Coverage Options


Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com