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Short Term Special Events
Phone 1-800-596-0969
Fax 1-888-827-1185
Claims 1-800-237-2917
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  Application & Printable Documents | Glossary | Buy On-line


This insurance program has been specifically designed for the organizers of short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event location must be held in the U.S.
Eligible Operations
- Achievement Celebration - Fundraising/Benefit/Charity Event
- After Prom Parties (school sponsored event only) - Gaming Event/Contest (i.e. chess, video game, cornhole)
- Anniversary Party - Grad Night In (school sponsored only)
- Auction - Graduation Ceremony
- Award Presentation/Banquet - Graduation Party
- Baby Shower - Grand Opening Event
- Bake Sale - Holiday Celebration
- Ball/Dance - Housewarming Party
- Banquet - Job Fair/Expo
- Baptism - Lecture/Workshop
- Bar/Bat Mitzvah - Magic Show
- Billiard Event/Tournament - Memorial Service
- Bingo Event (for fundraising/charity only) - Picnic (no water activities)
- Birthday Party - Poetry Reading
- Book Signing - Private Dinner/Lunch
- Bridal Shower - Prom/School Dance
- Business Meeting - Quinceanera
- Car Wash (for fundraising/charity only) - Recital (dance/music)
- Casino Game/Gambling Event (for fundraising/charity only) - Reunion
- Club Meeting - School Band/Drill Team Competition
- Comedy Show - School Carnival (no rides)
- Conference  - Seminar
 -  Convention - Show (i.e. craft, fashion, home)
- Corporate Private Party - Speaking Engagement
- Debutante Ball/Pageant - Stage Play/Musical (no concerts)
- Estate/Yard/Garage/Consignment Sale - Talent Show (children only)
- Engagement Party - Tradeshow/Exposition
- Farmers Market - Wedding Ceremony
- Festival - Wedding (one location only)
- Film Screening - Wedding Reception
-​​First Communion-​​Wedding Rehearsal Dinner
​-​Flea Market/Swap Meet​-​Wedding Shower
- Food Cooking Contest

Ineligible for this program:

Certain event types are not eligible for coverage by this program. We reserve the right to decline any request for coverage.
The ineligible event types include, but are not limited to the following (and are excluded from coverage):
- Activist Rally/March/Protest - Dance Competition*
- Aircraft Show/Event* - Easter Egg Hunt (one location - paper application only)
- Alcohol Tasting Event (paper application only) - Events involving any motorized vehicle(s) in, or while in
- Animal Obedience Training practice for, or while being prepared for, or while qualifying
- Animal Show (paper application only) for, or while testing for any racing, speed, demolition,
- Any event held on airport premises* distance or stunting activity
​-Any event honoring national and/or local celebrities or-​Film/Photo Shoot
professional athletes* - Food Eating Contest
- Any event and/or concert involving rap, hip-hop, - Fraternity/Sorority Event
heavy metal/screamo or techno/electronic - Geocaching Event
- Any event involving water activities*  - Gun/Knife Show
- Any event lasting more than 10 consecutive days* - Haunted Attraction/Event
- Any event taking place at multiple locations* - Health Fair/Exposition
- Any event taking place outside of the United States - Hunting, fishing and hiking events
- Any event with more than 12,000 in total attendance - Maze (corn/hay/fence)
(total attendance=# of event days x attendance per day)* - Parade (and any event involving a parade)*
- Athletic Event/Competition (or any event involving - Political Event*
athletic/sports activities)*​-Pumpkin Chunkin Event
​-Balloon Festival*​-Rave
​-Battle Re-enactment*-Religious Revival/Crusade (paper application only)
​-Beer/Wine Festival (paper application only)​-Religious Service (paper application only)
​-​Bonfire​-​Retreat (or any event with an overnight exposure)* 
​-​Cannabis related events​-​​Rodeo*
​-​Car/Truck/Motorcycle/RV/Boat Show (paper application only)​-​Seance
-​Christmas Tree Sale/Lot​-​Tailgate Event
​-​Circus​-​Tractor Pull*
​-​Color/Foam Party​-​Union Meeting
​-​Concert (paper application only)​-​Walk/Run Event*
*Please contact us for coverage options for these types of events.​ ​ ​ ​

Coverages Available & Program Highlights

Commercial General Liability
- Personal and Advertising Injury    
- Medical Expense    
- Damage To Premises Rented to You    
- Products-Completed Operations    

Notable Exclusions

- Abuse molestation, harassment, or sexual conduct - Designated operations exclusion - those events listed
- Aircraft/hot air balloon - ownership, operation,  as ineligible
maintenance or use - E-commerce consulting
- Airport - ownership, operation, maintenance or use - Events held at multiple locations
Amusement devices - the ownership, operation, - Events with over 3,000 in total attendance
  maintenance or use of:  any mechanical or non- - Fireworks
  mechanical ride, slide or water slide, any inflatable - Fungi or bacteria
  recreational device, any bungee operation or equipment, - Lead
any vertical device or equipment used for climbing - either - Nuclear energy
  permanently affixed or temporarily erected, or dunk   Performers
  tank. Amusement devices do not include any video or - Petting zoos
computer games or structures that are not designed to - Room and board liability
bounce on, slide on, ride on or tunnel through.  - Saddle animals - ownership, operation, maintenance, use
- Animals - injury or death to any animal; injury, death loading or unloading of any saddle animal, including but
or property damage caused by any animal owned, not limited to, riding any saddle animal or riding on any
rented or hired by you vehicle which is drawn or powered by any animal
- Asbestos - Snowmobile
- Claims arising out of the operations of concessionaires,
exhibitors and vendors at your event
​-​Communicable Diseases
Preliminary Underwriting Information Required
The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form  
- Full premium payment by check or credit/debit card